If a lender takes any action that changes the amount of stock or PCs required, and that modifies the EIR, the lender must disclose in writing at least ____ days before the effective date the ____, _____, and ____.
a) 15 days; reasons, consequences, and alternatives
b) 30 days; reasons, consequences, and alternatives
c) 45 days; reasons, consequences, and alternatives
d) 60 days; reasons, consequences, and alternatives