Kellie's Date of Possession for the Home She Recently Purchased

Kellie's date of possession for the home she recently purchased is October 1.Her lawyer instructed her to provide the cash to close by way of a certified cheque in the amount of $35 000,payable to "Sheps & Shaps LLP in trust," by September 29.Which of the following would Kellie most likely indicate as the reason her lawyer requires payment of these funds in this manner?

A) It prevents the drawee from requesting a stop payment on the cheque.
B) A cheque is a self-contained obligation, independent of any outside circumstances.
C) The major risk involved with cheques relates to the financial health of the drawee.
D) Risk is eliminated as payment of funds from bank reserves is guaranteed.