Which of the following gifts is most like an income transfer rather than an in-kind transfer?

Question

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A gift card branded through one of the main credit card companies is most like an income transfer because it provides the recipient with the ability to spend money on whatever they desire, similar to a cash transfer. In contrast, options A, B, and C are in-kind transfers because they provide a specific good or service.

Which of the Following Gifts Is Most Like an Income