Heidi decided to make extra money by offering to do investments for her friends for a fee. She actually did no investing, but used the funds from new friends to pay off earlier enrollees. This worked well for a while, but her scheme came to light when her supply of new friends came to an end. She is guilty of which of the following practices?a. Operating a Ponzi schemeb. Operating a bait and switch schemec. Account kitingd. Pretextinge. Defalcation