Frank asked his company's employee benefits director if his group health coverage could be converted to individual coverage. the benefits director said, "yes, you can convert to an individual policy, and the coverage is identical to your group coverage." frank quit his job and converted to an individual policy. six months later he filed a claim. he was dismayed to learn the conversion policy was limited compared to the group coverage, and his claim was denied. what legal doctrine will allow frank to bring a successful legal action against his former employer because he was financially harmed due to his reasonable reliance upon a representation of fact?