A state statute establishes a maximum interest rate of 10% for loans of money when the debtor is not a corporation. Arthur loans $10,000 to Buck and effectively charges Buck 18% annual interest while the loan is outstanding. Which of the following is true? Select one: a. Arthur and Buck have failed to enter into a valid contract because there is inadequate consideration to support it. b. If this type of contract is not in writing then it will automatically be declared unconscionable. c. This scenario constitutes an example of an adhesion contract. O d. Arthur has violated a usury law. O e. Arthur and Buck have violated a revenue raising statute