38. Jasmine signs a contract with Kellbell, an unlicensed physician, to perform a medical procedure. This contract is enforceable by

a. Jasmine.

b. Jasmine's medical insurance company.

c. Kellbell.

d. no one.

39. Bellvue Hair Supply applies for a business loan from Catskills Bank. To help Bellvue get the loan so that it will be able to stay in business and fulfill a deal it has made with her, Dempsey promises the bank's loan officer that she will repay the loan if Bellvue does not. To be enforceable, Dempsey's promise

a. need not be in writing.

b. must be in writing because it benefits Bellvue.

c. must be in writing because the bank is not a party to the other deal.

d. must be in writing because it benefits Dempsey.