In which of the following situations did the Investment Advisor (IA) not exercise due diligence (Standards of Conduct) when making investment recommendations? The I failed to update a client's New Account Application Form (NAAF) to reflect the changes to the client's net worth, income, and employment The IA failed to learn the essential facts about a product she offered to a client. The IA failed to warn a client that an unsolicited order appeared unsuitable based on her NAAF The IA failed to disclose all real and potential conflicts of interest