Payment shock is defined as:
A. The reaction to learning the payment amount of the loan one is considering
B. The difference between the proposed loan's P&I and PITI payments
C. The difference between the borrower's current housing expense and the proposed housing expense through the loan they;re considering
D. The difference between the borrower's current back-end-ratio and the back-end-ratio they'd endure if they pursued the loan they're considering
