A retail property owner has been unable to collect rent from several struggling tenants and as a result, has missed several payments on a loan secured by the property. The lender has offered to renegotiate the loan. Which of the following terms would the property owner seek in this renegotiation? a. Increasing the term b. Increasing the interest rate O c. Lowering debt-service coverage ratio d. Increasing the LTV e. Shortening the amortization period of the loan