What credit decision is appropriate for a potential customer that offers an 85% chance of paying in one month on a $2,000 sale, that has a present value of cost of $1,600, when the monthly interest rate is 1%? Select one: O a. Grant credit since expected profit is $323.17 O b. Grant credit since expected profit is $83.17 O c. Refuse credit since expected loss is $14.60 O d. Refuse credit since expected loss is $55.24 O e. Refuse credit since expected profit is zero