Of course, the answer is d.) So?!
Having no money is always a smoke screen so treat it with complete disregard by making sure your prospect knows you’ve been around the block a few times and won’t fall for that silly excuse.
Add a “what” to the end if you aren’t comfortable with using just one word, then eventually you’ll become more confident and can lop off the what.
**If you would like to submit a multiple choice quiz topic put “quiz” in the subject box and submit your topic/question to GernFlopkins@cinci.rr.com and look for your question and the answer one of these days.