A fraud examiner is deciding whether to conduct a traditional or a covert examination for a suspected fraud. Which of the following factors would be most favorable to conducting a covert examination?

a. Fraud examiner would like to determine who's responsible for known losses occurring in a certain area.
b. The fraud examiner finds it important to collect information in a direct manner from people possessing it.
c. There are sufficient details at the present time to apprehend the suspect.
d. Fraud examiner has several Avenues through which he can obtain the necessary information.