2. Assume the same facts as in the previous question. a. If you were to represent Bernard, what argument would you make (if any) in his defense if Rip M Off chooses to sue him personally for the outstanding loan balance? b. While Bernard might argue that Rip M Off engages in predatory practices in enticing consumers residing in the poorest neighborhoods to enter into purchases that they can ill afford, Rip M Off would counter that selling expensive equipment to individuals with no credit or poor credit histories and limited means is a high-risk business and that its high prices and high-interest rates are merely the only means to cover its business risk and the extremely high default rates of customers who are often judgment-proof. Analyze these issues and argue either for or against the validity of Rip M Off's business practices from the perspective of law, business, and ethics.