With respect to replacement suitability, which of the following statements is false a$)$ policy replacement is not illegal, but replacement that involves misrepresentation in any form of this violation of every states insurance code P$),$ the suitability of a policy replacement is readily measured, and then determined by a common set of tasks that are used for all exchanges Shay$)$ most insurance discourage policy replacement as a matter of standard practice, almost as sufficient evidence of proper exchange analysis, and D$)$ in determining the suitability of a contemplative replacement. The client must be closely involved in the decision process.