premiums and includes extra benefits that Saniya does not require. Daru recommends this more costly policy, which also earns him a higher commission.

How should we view Daru's suggestion?

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a$.$ Daru's suggestion is ethical as he is allowed to earn a commission on any policy.

b$.$ Daru should not push a policy that is more expensive and has unnecessary features just because it gives him a larger commission.

c$.$ Daru is providing good advice, focusing on a policy that might offer additional benefits in the future.

d$.$ Daru's advice is acceptable, as Saniya ultimately makes the final decision on the policy, irrespective of his commission.

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