$3.$ Exercise $15\mathrm{.}3$Suppose a known reliable borrower approaches a commercial bank with a randomly occurring liquidity crisis that necessitates an extension of its bank line of credit. The bank then offers terms for the loan renewal: an interest rate, a principal amount, collateral requirements, and a loan term. After the borrower accepts the terms, a random process intervenes to present several uncertain business opportunities to the borrower. While the bank expects the borrower to exercise great care and good business judgment, the borrower may be tempted to instead pursue high$-$risk, high$-$return business ventures.Which of the following terms of a line of credit may worsen this moral hazard problem?Secured loanHigh interest rateSmall principalShort$-$term loan