Kristin, 17, belongs to a compact disc club. She has agreed to pay a $20 annual fee in return for printed information about various compact discs that are available through the club. Kristin decides that the information is not worth her money. She cannot disaffirm the contract until she pays her annual fee. can disaffirm her contract before becoming an adult or within a reasonable time thereafter, simply by writing the club of her decision. O can disaffirm the contract only after she becomes a legal adult. O can disaffirm the contract only if she returns to the club all the printed material she has received during the year.