Keanu's insurance agent, Nora, recommends that he should replace his existing insurance policy with a new one offered by a different insurer. She mentions that the new policy offers better coverage, even though the difference is insignificant. She withholds information about the tax consequences of terminating his existing policy. She also conceals the addition of the new two$-$year incontestability clause and the new two$-$year suicide clause resulting from buying a new policy. Which of the following deceptive practices is Nora guilty of using?K$1$pVNthlaXpYSDI$4$TnByRDdHNNwQT$09$a$.$ Frontingb. Misappropriationc. Twistingd. ChurningK$1$pVNIhLaXpYSDI$4$TnByRDdHNXNwOT$09$