If a fiRm Refuses to Offer Credit, the Net Present

If a firm refuses to offer credit, the net present value of the transaction is:

A) the cash revenues received minus the cost paid in time period 0.
B) the discounted value of the revenues from time period 0.
C) the net cash flow from the future payments to be received.
D) the cash revenues received minus the discounted net cash flow in time period 0.
E) always equal to zero.