Margaret signs an agreement with DCA Bank to borrow $40,000 with a 20 percent interest rate. Later, the state legislature passes a law lowering the maximum permissible rate of interest to 15 percent. Margarets best argument for avoiding payment of the 20% interest to DCA Bank is that

the law has rendered performance of the contract illegal.

payment of the loan would force the debtor into bankruptcy.

the specific subject matter of the contract has been destroyed.

performance of the contract is commercially impracticable.