Question 20 : In billing schemes a company pays invoices that an employee fraudulently submits to obtain payments he or she is not entitled to receivewhich of the following is most true:

(A) A Shell company scheme is a type of billing scheme

(B) A Pass-through scheme is a type of billing scheme

(C) A Pay-and-retur scheme a type of billing scheme

(D) A Personal-purchase scheme is a type of billing scheme

(E) All of the above are types of billing schemes .