Question: Which test do courts use to decide if the contract of a person who has NOT been adjudicated insane can be avoided because of mental

Which test do courts use to decide if the contract of a person who has NOT been adjudicated insane can be avoided because of mental incompetence?
The court will look to see if the party understood the nature, purpose and consequences of entering into a contract at the time the contract was formed.
The court will use the state's test for commitment to a mental institution.
The court will use the state's test for testamentary competence.
The court will look to see if the party understood the nature, purpose and consequences of entering into a contract at the time performance is due.
 Which test do courts use to decide if the contract of

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