In which case did the court decide that if it weren't for the disclaimer 'Confidential: For your private use and without responsibility on the part of the bank or its officials' a duty of care would have been owed: Select one: O a. Esanda Finance Corporation Ltd v Peat Marwick Hungerfords O b. Lowe Lippman Figdor and Franck v AGC (Advances) O c. Tepko Pty Ltd v Water Board O d. Hedley Byrne & Co Ltd v Heller and Partners Ltd