Sara and Debbie are trying to decide on their insurance coverage options and would like to see an example of each policy. Luckily their advisor, Derek, has had several apointments today and has some of his other clients' completed policy paperwork with him. He uses these documents to show Sara and Debbie their options and the details of the contract that they will have with the insurance company. he explains that their contract will be slightly different. Which description best fits Dereks actions?

a. Derek should have used hypothetical examples rather than real policies. He is sharing confidential information with Sara and Debbie.

b. Derek has not completed an evaluation of Sara and Debbie's insurance needs and therefore cannot make recommendations until he gathers this information.

c. He has acted competently and diligently by providing real examples of insurance policy documents for Sara and Debbie to compare.

d. Derek has acted in his clients best interests by ensuring they fully understand their options.