Nedra uses her debit card on a daily basis. The last time she used it was last evening at a restaurant. This morning, she noticed that the

card was missing. How long does she have to report the card as lost to have $100\%$ protection against fraudulent use?

She has $2$ days from the date she determined the card was lost.

She has $30$ days from the date of the last authorized use.

She has $2$ days from the date of the last authorized use.

She must report the card immediately before any unauthorized withdrawals are made.