Small businesses will often use the payback method or a similar less sophisticated approach for all of these reasons except which one?a) Bankers and finance companies focus on how a loan will be repaid, and how long that will takeb) Other options, like NPV and IRR, are often out of reach in terms of complexityc) Payback helps focus on the most important measure, actual time to repaymentd) The less sophisticated methods are also easier to use, and available to even those with no finance background.