Matty bought four coins on April 15, 2022, for $50 each. He sold them on August 4, 2022, for $35 each. The market continued to fall, and Matty bought five more of the same coin on September 1, 2022, for $25 each. Which response explains why Matty may or may not use his loss to reduce his capital gain income for the year? Wash sale rules disallow the loss, so Matty may not claim it against his capital