Ms. Holmsted went into a hardware store where she saw a hammer for sale and picked it up off of the store shelf. She had always wanted to have one for her work, so she took it to the checkout. The clerk scanned the bar code and Ms. Holsted paid using her debit card. A contract was created when: Ms. Holmsted picked up the hammer from the shelf. The clerk scanned the level at the self-checkout counter. OOOOO Ms. Holmsted left the store. The clerk rang up the sale and took the debit card payment. There was no contract because there was only one party involved