Who determines the value of the information in the insurance terms and conditions document?

Peter works at the company Midwest Insurance. His manager, Linda, asks him to send the terms and conditions for a life insurance policy to Rachel, a client. Who determines the value of the information in the insurance terms and conditions document?
A. The recipient, Rachel
B. The person who drafted the insurance terms and conditions
C. The manager, Linda
D. The sender, Peter

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