A client with a high risk tolerance loses her job and notifies her agent. The agent continues to recommend speculative investments as before. The agent’s actions are:

1. AProhibited, since suitability is based on current circumstances✓ Correct answer
2. BPermitted, since prior risk tolerance is documented
3. CPermitted if the investments align with the client's long-term goals
4. DProhibited only if the client files a complaint

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