18-year old Tricia wants to buy a car, but needs a loan to get the car. Because Tricia doesn't have any credit, the dealership insists that Tricia's mother co-signs the loan. Tricia asks her mother to co-sign the loan. In front of the sales people, the mother verbally agrees to co-sign the loan. The car costs $3,000. While the original agreement with Tricia is in writing, the dealership forgets to have Tricia's mother co-sign the agreement. Tricia defaults on several payments and the dealership repossesses the car and decides to go after Tricia's mom for the remaining amount owed. Who wins and why? Respond using IRAC.