broker's license may be terminated, if a broker engages in practices that violate any provisons of the Insurance Act or its equivalent, one of which is the practice of "rebating". A broker may be found guilty of rebating (1 mark) 0a) When the broker places insurance with a company that offers the most discounts Ob) When the broker reduces the premium by accepting a lower commission from the insurer Oc) When the broker offers a client a premium payment plan 0d) When the broker offers a substantial premium discount that was not approved by the insurer