On January 1, Evan lent $5,000 to his friend Cameron to start a business. Cameron agreed to repay the money no later than December 31 of this year, and to pay Evan interest for however long he ends up keeping the money, with an annualized interest rate of 10%. Evan needs to have $5,400 available at the start of next year for a vacation and does not have any other sources of money. Which of the following scenarios would result in Evan not being able to afford his vacation? You can assume simple interest calculations (no compounding of interest during the year).

a) Cameron pays back 90% of the loan's principal, with associated interest, on December 31, but is not able to pay the remaining amount

b) Cameron pays Evan back in full in 6-months on June 30

c) Both of the above

d) Neither of the above