June is a producer who is just starting out in her business but is discouraged at her closing rate. Things always seem to be going well with prospective clients until she quotes the premium. She decides that she deserves to be paid for her efforts and begins to intentionally misquote policies. To her pleasant surprise, she finds that most clients elect to keep the policy after issuance when her "mistake" is discovered. Which statement best describes June's actions?

$($Search Chapter $1)$

a$.$ June's intentional misquoting is considered misrepresentation and is unethical.

b$.$ June's actions are not honest, but they do not constitute misrepresentation because the client has the option to return the policy.

c$.$ June's actions are not unethical because she owes a lower duty of care to a prospective client than to an existing client.

d$.$ June is an agent of the company and owes no duty to correctly quote coverage; her actions are considered reasonable error.