Under which of the following circumstances might a court rule that a special relationship existed between a producer and client? (Search Chapter 2)

• a. The client has a reasonable basis to rely on the producer not just as an insurance salesperson, but rather as an advisor.
• b. The producer represents a very well-known and reputable company.
• c. The client personally knew the producer prior to becoming a client.
• d. The producer has been licensed for more than ten years.