Hillary and Dillon enter into a contract whereby Hillary, seventeen (17) years old, purchases a computer and printer from Dillon. Dillon agrees to finance the contract and allows Hillary to pay $100 per month. When Hillary turns eighteen (18) years old, what must she do to ratify the contract? She can ratify the contract by continuing to pay $100 per month with no other requirement. She must give Dillon written notice and pay the entire amount due on the contract. She must give Dillon written notice that she intends to keep the computer. She must return the computer and allow Dillon to refinance it for a higher monthly payment, since she is now an adult. She must call Dillon and expressly agree to keep paying the $100 per month. Broke Bank loaned $5,000 to Jeong and charged him an interest rate that was five (5) percent higher than the statutorily-allowed maximum. This loan would be considered usurious valid, since Broke can determine what potential profit is necessary to compensate it and its owners for the assumed risk voidable at the election of Broke void at the election of Jeong fraudulent