The cash flow of a business customer has been impacted by slower collection of accounts receivable related to entering a new market. You detected the problem before any covenants were violated and have determined that the problem can be rectified over time. After conferring with your management, you have proposed restructuring the credit with additional collateral and guaranties, but the owners have refused and appear to be unwilling to negotiate on this requirement. Which of the following problem loan strategies would be the most appropriate in this situation?

a$)$ Prohibit additional borrowing

b$)$ Outplace

c$)$ Do nothing

d$)$ Transfer and liquidate