Potter bought a small building, financing the purchase with a loan from Sunrise Bank, and then opened a restaurant. Unfortunately, the restaurant hasn't done well, and Potter is now defaulting on the deed of trust. He still owes $350,000 on the loan and is six months behind in his payments to the bank. Sunrise is preparing to foreclose. Due to a decline in property values, the net proceeds of the foreclosure sale are expected to be only about $300,000. Should Sunrise pursue a judicial foreclosure or a nonjudicial foreclosure? d