Scully owns a collection agency that has an established practice of contacting debtors at their place of work, telephoning the debtor's financial adviser about payment of the debt, and informing the debtor of further action that may be taken by the collection agency. Scully has:

a. not violated the Fair Debt Collection Practices Act.
b. violated the Fair Debt Collection Practices Act because it is illegal to contact the debtor's place of employment under any circumstance.
c. violated the Fair Debt Collection Practices Act because it is illegal to contact the debtor's financial advisor.
d. violated the Fair Debt Collection Practices Act because it is illegal to inform the debtor of future action to be taken by the collection agency.

For example, the upper right cell shows that if expresso advertises and beantown doesn't advertise, expresso will make a profit of $15 million, and beantown will make a profit of $2 million. assume this is a simultaneous game and that expresso and beantown are both profit-maximizing firms. if expresso decides to advertise, it will earn a profit of $ million if beantown advertises and a profit of $ million if beantown does not advertise. if expresso decides not to advertise, it will earn a profit of $ million if beantown advertises and a profit of $ million if beantown does not advertise. if beantown advertises, expresso makes a higher profit if it chooses . if beantown doesn't advertise, expresso makes a higher profit if it chooses . suppose that both firms start off not advertising. if the firms act independently, what strategies will they end up choosing? expresso will choose to advertise and beantown will choose not to advertise. expresso will choose not to advertise and beantown will choose to advertise. both firms will choose to advertise. both firms will choose not to advertise.