a). The credit decision usually includes riskier customers. The credit decision should adjust for this by: A. determining the probability that customers will pay, reducing the expected cash flow. B. discounting the net cash flows at a higher discount rate. C. discounting the cash inflow at a higher discount rate. D. delaying collections on these customers. E. speeding up deliveries to riskier customers. Justify your answer. b). The three components of credit policy are: A. collection policy, credit analysis, and interest rate determination. B. collection policy, credit analysis, and terms of the sale. C. collection policy, interest rate determination, and repayment analysis. D. credit analysis, repayment analysis, and terms of the sale. E. interest rate determination, repayment analysis and terms of sale. Explain the same