Which of the following individuals has properly disclosed rates and terms related to a Refund Anticipation Loan (RAL)? Question 15Select one: a. Tax Consultant Jerry has verbally discussed with his client the RAL that he believes will best fit the client's needs b. Mary, a tax consultant, has clearly disclosed in writing, using federal Truth in Lending Act requirements, loan fees and annual percentage rates for three different RALs that may fit the client's needs. c. Larry, a tax preparer, has provided a side-by-side comparison of two RAL products showing the 30 days payoff and the loan proceeds at signing d. Jose, a licensed tax preparer, called a client after the tax return was completed and discussed some details related to a RAL that he is trying to convince the customer to sign up for