For the FTC to consider a practice to be unfair, it must meet a three$-$part test. Which of the following is NOT one of those tests?

a$)$ The practice causes a substantial consumer injury.

b$)$ The harm of the injury outweighs any countervailing benefit.

C$)$ The consumer had no reasonable way to recoup lost funds from the injury.

d$)$ The consumer could not reasonably avoid the injury.