You sell a container-load of product to a new customer in Vietnam for US$3million. They have 30 days to pay after they receive the product, which could be 3 months from now due to shipping and customs delays. If the customer pays you 120 days from now by converting Vietnamese dong (VND) to dollars at the exchange rate in effect at the time of payment, how are they handling the exchange rate transaction risk? Group of answer choices Avoiding the risk by using a forward exchange rate transaction. Accepting the risk by using a forward exchange rate transaction. Avoiding the risk by using a spot exchange rate transaction. Accepting the risk by using the spot exchange rate transaction.