An insurer publishes intimidating brochures that portray the insurer's competition as financially and professionally unstable. The insurer is hoping that this advertising will help to eliminate the competition and therefore create a monopoly. Which of the following best describe this act?

O a legal, if the guaranty association endorses it

O b legal, provided that other insurers are paid royalties for the usage of their name

O c illegal

O d this is legal, provided that the information can be verified