A real estate salesman in your city has arranged to pass you leads whenever he sells a home and in return asks you to give him some premium consideration when his policy is up for renewal. You consult the RIBO Act and realize that:

a) Contrary to popular belief you can reduce the premium but only up to the amount of your commission.
b) You cannot pay him for anything directly but you can pay a finders fee to the Real Estate firm which equals the first year premium
c) Finders fees can be paid but only to persons who are registered as insurance intermediaries
d) No cash can be exchanged, however there is nothing to prohibit you purchasing a barbecue or other things of value as recognition for his assistance