Read the scenario. Casey has been saving for a new car and is ready to make a purchase. Having a substantial amount to put down as a down payment, Casey approaches the car dealership. The salesperson and the loan officer view Casey's willingness to make a high down payment positively. Why would Casey be considered a lower risk by the lender for planning to make a high down payment?

a. It shows that Casey prefers a high-interest rate.
b. It shows that Casey is committed to paying off the loan.
c. It shows that Casey may not need a loan at all.
d. It shows that Casey might refinance the loan soon.