Fred's After Tax Income Is $3600 a Month and His

Fred's after tax income is $3600 a month and his expenses are generally $3600 as well.Last month he had a car accident which resulted in a $2000 unexpected expense due to the deductible on his insurance and he covered that expense with his credit card.What is the best way to describe his situation?

A) Fred has a money management problem because he lives beyond his means.
B) Fred has a liquidity crisis because he has no emergency fund.
C) Fred is relying on short-term credit financing which can become very expensive.
D) Fred needs better insurance coverage with a lower deductible.