Andrew Andrew needed a loan and knew that he would be less likely to default if subject to monthly, fixed payments. Andrew most likely took out foan because Darnell and Kyoko both needed loans, but they had different reasons, personalities, and financial positions. They each had to choose between obtaining a fixed-rate or variable-rate loan. Darnell When Darnell took out a loan, he wanted the security of knowing what his monthly payments would be and for how long. Darnell most likely took out a loan because the monthly payment and number of payments, Kyoko Kyoko is somewhat of a risk taker. When she needed a loan, she believed that interest rates would fall over most of the life of the loan. Kyoko most likely took out a loan because