Concerning a RAL, which of the following is a true statement that needs to be discussed with the tax client? Question 16Select one: a. That the RAL is an "advanced" income tax refund b. A disclosure letting the tax client know the average time announced by the appropriate taxing authority within which the taxpayer can expect to receive a refund without a RAL if the return is filed either electronically or by mail, with direct deposit of the refund into a bank account or a refund check mailed to the taxpayer c. An estimate of when the taxpayer can expect to receive the refund d. B and C above