Which of the following is a direct financial interest? One beneficially owned by the covered member through an investment vehicle, estate, trust, or intermediary when the beneficiary neither controls the intermediary nor has authority to supervise or participate in its investment decisions An interest where the individual is not the record owner but has a right to some or all of the underlying benefits of ownership An interest owned by others and not under one's control One owned directly by the covered member (even if managed by others)