You've met a client, Sandra. She tells you she has $50,000 in her home loan offset account and wants to invest all of this money so she can feel that her money is "working harder" for her long term. Which of the following questions would not be absolutely necessary to ask before you provide Sandra with sound investment advice? Select one: a. What is the interest rate on your home loan? b. What other cash do you currently have on hand? c. How much super do you currently have? d. How much money are you currently saving each month? Which investment strategies would you consider recommending for Sandra? Select one: a. Keep the funds in her offset account. b. A $100,000 ETF portfolio with a $50,000 margin account. c. A $250,000 investment property, with a $50,000 (20%) deposit. d. A capital-guaranteed Term Deposit