Common Sense Sheldon saw some cool technology that he wanted to purchase, however, he was short of cash. Lenny knew how much Sheldon really wanted it, and offers to loan Sheldon the money. Sheldon borrows $4,000 from him and agrees to repay the money in six months. Later, Lenny purchased a car from Penny for $7,000. He pays her $3,000 in cash and assigns the right to the $4,000 to her. Penny contacts Sheldon towards the end of the six months, requesting payment. Sheldon claims that he doesn't owe her the money because he never agreed to pay her and that there was never any intent to benefit her when he and Lenny made the contract. What type of contract was created by Lenny and Penny? third-party intended donee beneficiary novation O third-party intended creditor beneficiary O delegation incidental beneficiary assignment