A learner claims: "Bankruptcy and Creditor Rights is optional after onboarding." What is the best response?

• AAgree — once hired, Bankruptcy and Creditor Rights rarely matters
• BDefer entirely to customers without training in Bankruptcy and Creditor Rights
• CReplace Bankruptcy and Creditor Rights with informal guesswork to save time
• DOngoing competence in Bankruptcy and Creditor Rights is required; policies and assessments exist to verify it