Nivia and her husband buy their first home and Nivia consult with Samir, an insurance agent, about insurance to cover the mortgage should she pass away. While analyzing policies, Samir gets Nivia’s file mixed up with another client’s file and he accidentally forgets to ask Nivia if her husband has existing coverage with his employer. Two months after Samir recommends and delivers the policy to Nivia, he discovers his omission and realizes that Nivia is now over-insured as a result of his mistake. Which of the following obligations has Samir breached in his business conduct? 

a)integrity 

b)conflict of interest 

c)duty of care 

d)competence