Heidi decided to make extra money by ofiering to do investments for her fiiends for a fee. She actually did no investing, but used the funds from new fiends to pay off earler enrollees. This worked well for a while, but her scheme came to light when her supply of new friends came to an end. She is guility of which of the following pracices?

Protexting

Operaling a bait and switch scheme

Operaling a Ponzi scheme

Ascound kiting