For which of the following clients for whom a "borrow to invest" strategy may be appropriate?

Select one:

a.

A client who has a short-term investment horizon.

b.

A client who with a fully paid home, a large investment portfolio, and a high tolerance for risk.

c.

A client who cannot take on the risk of investing in high growth opportunities.

d.

A client with irregular income.

e.

None of the above.