Which of the following insurance agents has engaged in twisting?

a)Stu who convinces his clients to cancel their policy with Vaughan City Life and instead purchase a similar policy from Region Harbour Life, for which he receives a commission.

b)Bettina earns a commission by convincing her clients to cancel the term life policy they bought through their former insurance agent and buy a similar term life policy from the same insurance company.

c)Harley promises to return a portion of the premiums to his new clients if they purchase a life insurance policy through him.

d)Creole, a licensed insurance agent, allows his cousin Elijah, an unlicensed person, to meet with clients to solicit business from them and accept applications on his behalf.