a customer has signed a letter of intent to buy at least $50,000 of a mutual fund in return for getting a lowered sales charge. the customer has already invested $40,000, and the customer notices on his account statement that the current nav of the position is $52,000. the fund is going to make a distribution of the $12,000 capital gain. the registered representative recommends that the customer take the capital gain as cash and use the proceeds to buy shares of the fund to finish the breakpoint. this suggestion by the registered representative is inappropriate because it was not disclosed that: