In order to encourage consumer protection, insurance professionals' societies have developed which of the following $?$

$$ A$)$ Codes of ethics that provide guidelines for ethical behavior by its membership

$$B$)$ Advertising campaigns to educate consumers about insurance and the need to only use local agents

$$ C$)$ Retreats where only the most successful insurance agents can attend

$$ D$)$ Charitable foundations to provide funds to organizations who educate ninth$-$grade high school students about financial matters