Aregistered representative sold a deferred variable annuity to an unmarried 18 year old high school senior who had just inherited $30,000. she intended to take a lump sum payment from the annuity for a down payment on a house when she graduated from college in four or five years. this sale may be unsuitable for all of the following reasons except?
a. the proceeds would likely be subject to a 10% penalty tax.
b. the selected professionally managed annuity was not guaranteed to produce a gain.
c. the customer had no need for the death benefit because she was unmarried and had no dependents.
d. the customer was in the lowest marginal tax bracket and had no need for tax deferral.