Ineed .
verbal contracts are generally discouraged because
a.
there are usually no witnesses to a verbal contract
b.
without a physical signature, they can be very difficult to enforce
c.
unlike in a written contract, people can easily lie in a verbal contract
d.
verbal contracts usually lack the detail necessary to produce a formal contract

b. without a physical signature, they can be very difficult to enforce

Verbal contracts are generally discouraged because without a physical signature, they can be very difficult to enforce.

Explanation:

Verbal contracts refer to contract which is agreed upon without a written document or signature. It is usually between two or more parties. It is also a contract made with languages or spoken words. Hence, it is generally discouraged because it does not have a written document where the parties can sign in case of breach of contract.

the answer choices are:

provides online banking

provides automatic payment services

provides home loans by using saving accounts

accept tax return refunds

hopefully someone can answer the question now lol