Which of the following is an example twisting?

a$.$ Johanna selling LTC policies that have loss ratios higher than those allowed by law.

b$.$ Andre selling LTC insurance to applicants who are already eligible for Medicaid

c$.$ Alecia making misrepresentations to convince an LTC policyholder to replace his policy.

d$.$ Marcus failing to statein an advertisement that $"$an insurance agent will contact you" if that is the case.