Rick is a self-employed air-conditioning technician. With the help of his friend Josh. who is a life licenced insurance agent, he completes an application for a disability insurance policy that would pay benefits of $4,000 a month (up to age 65) after a 3- month waiting period. Josh gathers all the health and financial information necessary for underwriting. A couple of months later, the policy is approved with a standard rating. When Josh meets with his friend to deliver the policy, Rick confides that he has recently been experiencing bouts of intense anxiety due to work-related pressures. What should Josh do? a) Deliver the policy without further ado, since the underwriting has already been completed b) Deliver the policy as if he had learned nothing new, since Rick confided in him as a friend. Send the policy back to underwriting along with notes on the changes in Rick's health. d) Send the policy back to underwriting, recommending an exclusion for stress- related claime