Lender$-$owners may avoid liability under the Superfund law so long as the lender was Blank$\_\_\_\_\_\_.($Check all that apply.$)$

Multiple select question.

using the property as an office or storefront open to the public

not participating in the management of the facility prior to foreclosure

an owner by virtue of the contaminated property being used as collateral for a loan

not participating in the use of the facility after the foreclosure