Critical Reasoning (CR) | Re: MetroBank made loans to ten small companies

The argument talks about loans given by Metro Bank to small companies, which have to paid back as
graduated payment plans - monthly payment plans (i.e)payments made such that the monthly loan
payments increase slightly over every month.

But, the average payment at the end of the five year term during which these payments have to be made,
decrease. In order to resolve the discrepancy, we need an alternate explanation to prove the reason for the decrease.
Option D(Of the ten small companies, the three that
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