Each of the following reasons for denial of a loan would be LEAST sufficient to justify the cancellation of an offer and return of the earnest money deposit under the standard financing contingency, EXCEPT: Select one:

a. The loan is denied due to a poor credit score

b. The loan is denied due to insufficient cash reserves

c. The loan is denied due to failure of the buyer to document income

d. The loan is denied due to failure to meet the lenders debt-to-income ratio standards