Whose cash flow is best described by the timeline shown below?

Date (years)	0	1	2	3	4
Cash Flows	-$7,200	$2000	$2,000	$2,000	$2,000

a. Tony, who puts down $7,200 to buy a car, and then makes annual payments of $2,000

b. Zephyr, who loans a friend $7 200, which friend then pays back the loan in four annual instalments of $2,000

c. Harry, who borrows $7,200, and then pays back the loan in four annual payments of $2,000

d. Sarah, who borrows $7,200, and then receives an annual payment of $2,000