The Credit Decision Usually Includes Riskier Customers

The credit decision usually includes riskier customers.The credit decision should adjust for this by:

A) determining the probability that customers will pay, reducing the expected cash flow.
B) discounting the net cash flows at a lower discount rate.
C) discounting the cash inflow at a higher discount rate.
D) delaying collections on these customers.
E) speeding up deliveries to riskier customers.