Which of These Is True Regarding "Failure of Consideration" and "Lack

Multiple Choice

Which of these is true regarding "failure of consideration" and "lack of consideration"?

A) They are real defenses which can be used against holders in due course.
B) Failure of consideration is a real defense and lack of consideration is a personal defense.
C) Failure of consideration is a personal defense and lack of consideration is a real defense.
D) They are personal defenses which cannot be used against holders in due course.