After having completed an affordability assessment, in which of the following instances can a consumer's application for credit be granted? a. If the consumer is under debt review, but his discretionary income is more than the instalment due. b. If the discretionary income is more than the instalment amount and the consumer is an unemancipated minor unassisted by his or her guardian. c. If the discretionary income is more than the instalment amount and the consumer is not under debt review and not under administration. d. If the consumer is subject to an administration order, but his discretionary income is more that the instalment due