Kasuma contracts with Amy to fix her roof. Amy writes Kasuma a check, but Kasuma never makes the repairs. Kasuma negotiates the check to Carl, who knows Kasuma breached the contract, but Carl cashes the check anyway. Carl cannot attain HDC status in regard to

a. any defense Amy might have against payment.

b. any personal defense Amy might have against payment.

c. only Kasuma’s breach, which is Amy’s personal defense against payment.

d. none of the above.