Hmm – reading the statement I definitely thought ‘Misrepresentation’.
I think this may be one of those things that you get a feel for as you complete more questions, but my take on it is this:
“you will earn 10% rate of return” is outright untrue. It’s not even an opinion, it’s just not true, so misrepresentation is the violation here.Communicating with clients can also include cases like failing to notify when certain material issues arise (usually in the hope that it goes away). The focus will usually be on the fact that communication was inadequate, late, or inaccurate.