With no explanation, chose the best option from "A", "B", "C" or "D". without the unconscionable term, or may so limit the application of any unconscionable term as to avoid any unconscionable result.” Padilla v. State Farm Mut. Auto. Ins. Co., 2003-NMSC-011, ¶ 15, 133 N.M. 661, 68 P.3d 901 (internal quotation marks and citations omitted). We decline to grant a windfall to all borrowers by allowing them to completely avoid the contracts. We hold instead that the quadruple-digit interest rate, a substantively unconscionable term, shall be stricken from the contracts of all borrowers. We then enforce the remainder of the contract without the unconscionable term. Id. {50} The district court avoided calculating restitution, calling the ta ated as simple interest. See Consol. Oil & Gas, Inc., v. S. Union Co., 1987-NMSC-055, ¶ 42, 106 N.M. 719, 749 P.2d 1098 (<HOLDING>); c.f. Peters Corp. v. N.M. Banquest Investors

A: holding that section 5683 must be calculated as simple interest
B: holding that prejudgment interest should not be calculated based on a paycheckbypaycheck basis
C: holding that plaintiff is entitled to damages in an amount to be calculated on the involuntary loan theory
D: holding that prejudgment interest should not be calculated based on a monthbymonth basis
A.