Umar wants to buy Derek's house. The purchase price is $900,000 and there is an outstanding mortgage in favour of Scotiabank in the amount of $400,000. Umar has $600,000 in savings to put towards the home but has been unable to find a bank or other financial institution that will lend him the money he needs to purchase the home. Explain, in detail, what options are available to Umar for him to be able to purchase Derek's house. (4 marks) On October 3, 2022, Carlos won his lawsuit against Farah for breach of contract and the Small Claims Court judgment awarded him damages in the amount of $15,000. Farah does not have the money to pay Carlos because she is saving up to buy a townhouse in Newmarket early next year. Referring to the appropriate legislation, discuss what Carlos should do if he wants to enforce the judgment against Francesca. (2 marks)