While on a business trip, Tom became ill and, to his surprise, it was suggested that he should have a series of medical tests completed soon. Upon returning home, Tom immediately initiated an application for life insurance but failed to disclose any information related to his recent medical situation; after all, he never had previous medical problems. By remaining silent Tom has:

	A.	provided a warranty
	B.	created a mistake of law
	C.	demonstrated strong contract negotiation skills.
	D.	concealed information.