With no explanation, chose the best option from "A", "B", "C" or "D". Bank Technology News, March 1, 1997. 26 . Id. 27 . Id. 28 . Id. 29 . Id. 30 . Lawrence M. Ausubel, Credit Card Defaults, Credit Card Profits, and Bankruptcy, 7 65, 98th Cong., 1st Sess. 58 (1985); Citibank South Dakota, N.A. v. Eashai (In re Eashai), 87 F.3d 1082, 1092 (9th Cir.1996); Aetna Finance Co. v. Neal (In re Neal), 113 B.R. 607, 608 (9th Cir. BAP 1990); Sears Roebuck and Co. v. Hernandez (In re Hernandez), 208 B.R. 872, 880 (Bankr.W.D.Tex.1997). 83 . S.Rep. No. 65, 98th Cong., 1st Sess. 58 (1985). 84 . id. 85 . GM Card v. Cox (In re Cox), 182 B.R. 626, 635 (Bankr.D.Mass.1995). See also AT&T Universal Bank v. Hensley (In re Hensley), 201 B.R. 494, 498 (Bankr.S.D.Ohio 1996). But see AT&T Universal Card Serv. Corp. v. Pakdaman (In re Pakdaman), 210 B.R. 886, 886-87 (D.Mass.1997) (<HOLDING>). 86 . S.Rep. No. 65, 98th Cong., 1st Sess. 58

A: recognizing need to balance interests of debt or and creditor in determining nature of protection to be afforded creditor
B: holding that at a minimum a credit check must be preformed before a credit card is issued in order to have any resulting debt declared nondischargeable
C: holding intent to preclude can be found by language contained with the stipulated judgment indicating the debt is nondischargeable in bankruptcy
D: holding that the cox bankruptcy court struck a balance too harshly against a creditor when it found that credit card debt could not be found nondischargeable under section 523a2a
D.