You have completed an application for critical illness (CI) insurance with your client. You review the data collected and you inform them about the Medical Information Bureau (MIB). Which of the following statements about the MIB is correct?
a)		The information from the MIB will be used to by the insurance companies to determine whether the applicant is insurable or is declined.
b)		The information from the MIB will be used by the insurance companies to protect themselves against applicants seeking to "over-insure" themselves.
c)		An MIB-member company is automatically authorized to search and exchange medical information concerning its applicants.
d)		The MIB collects additional medical information such as medical exams by paramedical technicians, blood and urine tests, and electrocardiograms.