Margaret is leading a discussion on ethics at the Katie Agency. One of the topics being discussed is fiduciary responsibility. To help everyone understand fiduciary responsibility, she gives all of the following examples EXCEPT:

a$.$ Jon collects premiums from his account Big Rig Trucking. Jon deposits the funds in a designated escrow account until they can be paid to the insurer.

b$.$ Marsha makes sure Marigold's homeowners claim is paid promptly.

c$.$ Reggie makes the appropriate coverage recommendations to his client, Big Box Company.

d$.$ Chuck recommends a program through Empire Insurance Company because the commission to the agency will be higher.