Can you please help me solve these problems? please and thank you

Aubrey has been accepted into medical school, a most expensive undertaking. Aubrey has student loans and grants that pay part of the expense, but not all; she still needs $5,000. Aubrey asks her family friend, Clara, if Aubrey can borrow $5,000 and offers to pledge her mother's diamond necklace to ensure she repays the loan. Clara agrees and gives Aubrey $5,000. Aubrey insists that Clara take the diamond necklace and keep it until Aubrey repays all of the $5,000. To make sure that Clara's security interest is perfected, Clara needs to: o file a written security agreement listing the necklace as collateral. x file a written security agreement and financing statement, listing the necklace as collateral on both. do nothing, because she has possession of the necklace. file a written financing statement listing the necklace as collateral. Wyatt needs $2,000 to go on vacation. After trying unsuccessfully to come up with a plan to obtain the money, Wyatt comes up with the perfect plan: Wyatt offers to have his mother's jewelry collection cleaned for her, but instead, he takes the jewelry to Perfect Pawn Shop and pledges his mother's jewelry collection as collateral for a loan of $2,000. The jewelry is worth $10,000, so Perfect Pawn Shop agrees to the deal, gives Wyatt the $2,000, and keeps the jewelry. Does Perfect Pawn Shop have a security interest in the jewelry? Yes, because the jewelry is worth much more than $2,000. No, because Wyatt does not own the jewelry. O No, because no financing agreement was filed. X Yes, because Perfect Pawn Shop gave value for the jewelry and has possession of the jewelry