What is the best strategy for a lender when requiring a personal guarantee from the spouse of a small business owner, in order to reduce the likelihood of a defence of duress, undue influence or unconscionablety? O A. To ensure the guarantee is in writing. O B. To ensure the guarantor has independent legal advice. O C. To ensure the guarantee is registered. O D. To ensure the guarantee is provided with an affidavit of a subscribing witness