Adrian Childs

OK, my answer is.

And tell us why.

Well, because I think I don't see why it should be any less true.

that credit card debt is the worst.

And if Clara have come on the market with their product, which I don't actually fully understand, but I can't believe, I'm not saying it's the cheapest way of doing things, but it can't be any worse than credit card debt, surely.

So I would go B, credit card.

Lock it in.