The borough of Bellmawr had applied for a corporate Visa card and Visa issued the card to the Borough. The head clerk gave the card to an assistant clerk for the purpose of making purchases strictly related to the Borough's business. The assistant clerk made purchases that were unrelated to the Borough's business, such as buying herself lunch and dinner, as well as buying gift cards for family members and friends. The Borough told visa that they refused to pay the charges because they were not authorized. Visa insist that they are responsible for payment. What is the outcome and why?