42. Although the lessee typically does not own the leased property at the end of a lease, advantages of a lease over a mortgage include all butwhich of the following?

a. No down payment is required.

b. Other things being equal, leases are less costly than mortgages.

c. The lessor is more expert in disposing of property at the end of a lease.

d. In some cases, the lessee can call for obsolete leased equipment to be replaced by the lessor.