Horatio is a licensed insurance agent in Quebec. After a complaint was filed against Horatio, the matter was brought to hearing where it was heard by 3 members and a decision was rendered. Horatio disagrees with the hearing decision and he is considering appealing the decision.Which of the following statements about Horatio's hearing decision is CORRECT?

a)The hearing decision can be appealed to the Canadian Council of Insurance Regulators (CCIR).

b)The hearing decision was rendered by the disciplinary committee of the Canadian Life and Health Insurance Association (CLHIA).

c)The hearing decision can be appealed to the Canadian Insurance Services Regulatory Organization (CISRO).

d)The hearing decision was rendered by the disciplinary committee of the Chambre de la scurit financire (CSF).