1. Cynthia Rodriquez, CFP just discovered that Mandy Simpson, a junior financial advisor working for Cynthia, has borrowed nearly $4,000 from one of her clients. The client is a very smart man who works in the technology field. Which of the following is the best response based on the CFP Code of Ethics and Standards of Practice?

   		a. There is no issue here as borrowing from a client is fine if the client has capacity to agree to the terms.
   		b. Since Mandy in not a CFP professional, borrowing from a client is not an issue for Mandy or Cynthia.
   		c. Cynthia needs to deal with this issue promptly because as a CFP professional, she has a duty to supervise employees.
   		d. Since borrowing from clients is prohibited under the Standards of Conduct, Cynthia should pay off the loan so that it is not discovered by CFP Board.