Q3 Gary meets with a long-term client, Debbie, who would like to change her segregated funds to ethical segregated funds. Gary overheard a colleague apeaking about similar funds a few weeks ago and agrees with Debbie that they are the new way to go. He makes some recommendations and asks Debbie to review the funds and let him know if she had any questions. What has Gary done wrong? A) He has not done adequate research to learn about his recommendations and did not behave competently. B) He did not recommend that Debbie stay with her current funds because they match her financial goals. C) Gary should have asked his colleague more questions about ethical segregated funds before meeting with Debbie. D) Gary is not qualified to make recommendations for segregated funds and is only licensed to sell life insurance