With no explanation, chose the best option from "A" or "B". Gavin is a newlywed who has been racking up credit card debt for years. Gavin wants to apply for a home loan, so he and his wife can start a new life together.

A: Without paying off any of his debts, Gavin goes to the bank to apply for a home loan.
B: Gavin saves up enough to pay off his past debts before applying for a home loan.
B.