Ellen, an insurance agent, believes strongly in the benefits of tax deferral and frequently talks to her prospects about it when selling deferred annuities. What ethical course should she take if a prospect asks her more information about the value of tax deferral?

a$.$ She should provide written testimonials to the value of deferring taxes on gain.

b$.$ She should refer the prospect to her supervisor for a discussion of the value of tax deferral.

c$.$ She should explain that a thorough analysis of the prospect's situation would be required to determine if such advantages would be available to the prospect.

d$.$ She should tell the prospect that the value of tax deferral is commonly accepted.