Gencon Contracting buys a professional liability policy with a policy period of January 1, 2019 to January 1, 2020. When the policy expires, Gencon buys a one year extended reporting period. A replacement policy issued by a new insurer contains a retroactive date of January 1, 2020. Coverage under the extended reporting provisions will apply only if the wrongful act took place (Search Chapter 8) a. before January 1, 2019. b. between January 1, 2019 and January 1, 2020. c. after January 1, 2020. d. any time before January 1, 2020