Charles is a pharmacist who had a period of disability last year, following a car accident in which he broke his leg. At the time, he became painfully aware that he was underinsured with the small policy he had taken out 10 years prior. He meets with an insurance agent from an unrelated insurer and is dismayed to find out he can only cover 60% of his pre-disability income. Charles decides not to tell the agent that he already has a small policy during his application interview. At which point in the underwriting process may Charles's deception be uncovered? a) Through an inquiry to the MIB. b) in a requested attending physician's statement (APS). c) During the financial underwriting. d) it is impossible to discover during the process