In your exploration of this topic, you were instructed to read the Gugliotti case. Which of the following statements best encapsulates the principal holding in that case?

a) While a visa officer may ask for additional verification of financial statements, this additional request must be authorized by a ministerial instruction.
b) The immigration officer improperly fettered her discretion by imposing a requirement (a verification letter from a financial institution) that is not found in the Immigration and Refugee Protection Act.
c) It is reasonable to base a decision on a policy requiring additional verification by a financial institution of an applicant's available funds. No specific regulatory authorization of this requirement is necessary.
d) Settlement funds may not include amounts invested in mutual funds.