Other Noncash Payment Systems include: Select one: O a. Checks & ACH system O b. Checks & Drafts c. Non of the options d. Card-based payments & Checks In using the net present value (NPV) approach to evaluate credit policy alternatives, all other things equal, the least desirable credit policy alternative is Select one: a. the credit policy alternative with the highest NPV b. the credit policy alternative with the lowest NPV c. the credit policy alternative that allows the firm to gain a competitive advantage d. the credit policy alternative that generates the most customer goodwill