Mia is opening her first checking account, and she's trying to decide whether she should sign up for overdraft protection. Which friend's advice is most accurate?

Select one: a. Jordan says, "With overdraft protection, you never have to worry about how much money is in your account." b. Donnie says, "Yes, you'll have to pay a fee for each overdraft, but you DON'T have to pay the bank back the money you overdrew the account by." c. Frank says, "Overdraft protection is handy if you have an emergency (like needing gas to get to work) and don't have the funds right now." d. Alex says, "If you don't get overdraft protection, and you TRY to withdraw more than what's in your account, you pay a fee anyway."