Please help me with these

31. The Bank Secrecy Act -- a. Applies to financial institutions," including broker-dealers b. Requires filing of a Suspicious Activity Report promptly upon discovery of a violation C. Imposes "know your customer" requirements on financial institutions d. All of the above 32. The scienter requirement for prosecuting securities fraud a. Prevents prosecution for mistakes b. Does not apply to insider trading violations C. Does not apply to books and records violations d. Applies only to class actions 33. Which of the following is NOT a hallmark of an effective corporate compliance and ethics program? a. An official is designated as responsible for administering and updating the program b. Violations result in adverse action or other discipline C. Ethical lapses never occur d. Officers, directors, and employees all receive ethics training