Can someone explain how to answer Chapter 18, Problem 3CQ in Business Law and the Legal Environment, Standard Edition (7th Edition)?

Ken Ward was an Illinois farmer who worked land owned by his father-in-law,Frank Ruda. To finance his operation, he frequently borrowed money fromWatseka First National Bank, paying back the loans with farming profits. ButWard fell deeper and deeper into debt, and Watseka became concerned.When Ward sought additional loans, Watseka insisted that Ruda become aguarantor on all of the outstanding debt, and the father-in-law agreed. Thenew loans had an acceleration clause, permitting the bank to demand paymentof the entire debt if it believed itself insecure ; that is, at risk of a default.Unfortunately, just as Ward s debts reached more than $120,000, Illinois suffereda severe drought, and Ward s crops failed. Watseka asked Ruda to sell some of theland he owned to pay back part of the indebtedness. Ruda reluctantly agreed butnever did so. Meanwhile, Ward decreased his payments to the bank because of the terrible crop. Watseka then accelerated the loan, demanding that Ruda payoff the entire debt. Ruda defended by claiming that Watseka s acceleration atsuch a difficult time was bad faith. Who should win?