In your own words 1. Explain what happened and what you think Sue & Johnny may have done wrong. 2. What do you think should have been disclosed? 3. Assuming that the Sales Representative or Agent has made a full disclosure, does this make the disclosed conflict go away? Explain your answer. Remember: Disclosure of Interest is a requirement of the Reba Act and the Code of Conduct. Both are very specific about how such disclosure MUST be made