Which of the following scenarios MOST ACCURATELY represents a suitability violation in a jurisdiction that...

A broker-dealer is unfamiliar with their client's risk appetite, so they refuse to make any investments on the client's behalf without additional information.

A broker-dealer learns about a promising investment and recommends it to their new client without knowing the client's relevant personal and financial information.

A broker-dealer makes an extremely conservative recommendation to a client that aligns with their risk profile and financial information.

A broker-dealer makes an investment for a client without first obtaining the client's approval to make that specific transaction on their behalf.