Xavier, Yolanda, and Zing CPAs (XYZ) is an accounting firm with offices in Kansas City and Denver. The audit engagement of BigBank Financial, Inc. is led by partner Melissa Chen from the Kansas City office. XYZ has been the auditors for BigBank for 15 years. Clyde is a partner in the Kansas City office. He has $5,000 invested in a highly diversified mutual fund. The mutual fund has a small investment in BigBank. [Select] : Is George a covered member? [Select] respect to BigBank? : Is the firm XYZ independent with