"In order to recommend a variable annuity to a customer, the representative should have a reasonable basis to believe that the customer would benefit from:"

D. I, II, III

Explanation:

For suggesting a variable annuity to a customer, the representative has the reasonable basis to trust the customer that gained from growth of the deferred tax for the separate account, the trust of receiving the income for life and the living or death benefit allowed in the contract

So here they all three give conditions should be considered as they are relevant

decentralization can the employees to get more involved in the business decision making

answer; dogs;