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

Date (years) 0 1 2 3 4

Cash Flows -$7,200 $2,000 $2,000 $2,000 $2,000

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

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

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

d. Jamie, who loans a friend $7,200, with the friend then paying back the loan in four annual instalments of $2,000.