3. Andy Agent has received written authority to sell Mega Mutual insurance products. As part of his marketing strategy, Andy routinely makes cold calls to prospects to arrange appointments to discuss MegaMutual's products. Which statement is correct with respect to his authority to make those calls? a. Andy has no authority to arrange sales meeting with prospects. b. Andy has explicit authority to arrange sales meetings with prospects. c. Andy has authority under common law to arrange sales meetings with prospects. d. Andy has implied authority to arrange sales meetings with prospects