Senf Mustard Manufacturing Inc borrowed $75 000 from Lucia Lending Inc. As security for the loan, Senf agreed that Lucia could have possession of some gold bullion that it owned. Senf agreed that Lucia could sell the gold to pay off Senf’s debt if Senf defaulted. Subsequently, Senf borrowed $100 000 from Metro Bank. Senf gave the bank a security interest in all of its property. The bank properly registered a financing statement relating to this interest. Whose security interest in the bullion ranks first if Senf defaults on his payments to both Lucia and the bank?