With no explanation, chose the best option from "A" or "B". Hank needs a car, has $10,000 of cash on hand, and is at a car lot deciding on what kind of car he should buy. Hank wants to pick and buy a car.

A: Hank picks a new car, puts the $10,000 as a down payment, and takes a loan out for the rest.
B: Hank chooses a gently used car that costs less than $10,000 and pays cash for it.
B.