Acar dealership analyzing whether it will loan money to william to buy a new car finds that his credit score is in the "very good” range. which statement best describes the lender’s viewpoint of william? he is a low-risk borrower who qualifies for lower interest rates. he is a low-risk borrower who will struggle to obtain a loan. he is a high-risk borrower who will get multiple loan offers. he is a high-risk borrower who qualifies for higher interest rates.

An employee of the state government always received his state paycheck on the last workday of the month. the employee was not a good money manager, and just barely managed to make it from paycheck to paycheck each month. on the second to the last workday of the month, the employee had $45 in his checking account, and, needing to buy a birthday gift for his sister, he wrote a check to a gift boutique for $100. he knew that he would be receiving his paycheck the next day, so he could deposit the paycheck before the check would be sent to the bank.however, unbeknownst to the employee, the state legislature was having a budget impasse. because the state constitution prohibited any deficit spending, state employees were not paid as usual. without a paycheck to deposit, the check written to the gift boutique was returned for insufficient funds. the merchant complained to the police, who arrested the employee and charged him under a statute that prohibited "issuing a check knowing that it is drawn against insufficient funds, with intent to defraud the payee of the check."what should be the outcome of the employee's prosecution? a not guilty, because the employee intended to deposit his paycheck the next day.b not guilty, because it was reasonable for the employee to expect that he would receive his paycheck as usual.c guilty, because the employee knew when he wrote the check that he did not have sufficient funds in his account to honor it.d guilty, because reliance on a future source of income does not vitiate the employee's violation of the statute when he wrote the check.