Who is considered a universal agent?

A universal agent is defined as a person who is given comprehensive authority to act on behalf of the principal, enabling them to perform nearly any action that the principal could undertake personally. This type of agent has the broadest scope of authority compared to other agents and can make any decision, engage in any activity, or enter into agreements that the principal may wish to undertake.

Given this understanding, the correct answer reflects the fundamental role of a universal agent, emphasizing the extent of their empowerment. This contrasts with the other roles mentioned in the options. For instance, an agent with limited authority is constrained in what they can do, while a specialized agent focuses on a specific niche and does not possess the generalizability expected of a universal agent. Similarly, an agent representing multiple principals may have various commitments, but these do not grant them the full and unrestricted authority characteristic of a universal agent.