85. Which of the following would most likely influence the creditor's decision with regard to its options relating to the deteriorating financial health of a business debtor?

1. whether a greater recovery of debt is possible through a proposal or through legal remedies
2. the creditor's ability to accelerate repayment of the debt to payment on demand
3. the ability of a secured creditor to take private action against specific assets
4. the ability to enter into negotiations with other creditors to gain greater debt recovery