Jane has worked for many years and has $250,000 of net worth that she wants to invest. She has no debt. Joan has $50,000 in student debt and has just committed to buy a new condo and take on a mortgage of $250,000. She does not have any investments. What best characterizes Joan and Jane's relationship with financial markets?

		A) Joan is a surplus unit while Jane is a deficit unit
		B) Joan is a deficit unit while Jane is a surplus unit
		C) Joan and Jane are both surplus units
		D) Joan and Jane are both deficit units