Juan has an authorized work permit issued by the U. S. government to work in the U. S. Each day, Juan travels from Mexico to El Paso, TX, to work in the construction trade. At the time that he was first employed, his U. S. employer issued him a(n) . Each week, the employer scans his work stipend onto it. Juan can purchase with it, access cash through an ATM with it, and transfer funds with it. The risk for Juan is .

A. payroll debit card; if it is lost or stolen and someone successfully uses it to make purchases, he has no recourse—he is simply out the money

B. paycheck; if the check is stolen, he is out the money

C. ETF voucher; minimal because funds are transferred directly from the employer's account to the employee's account

D. payroll debit card; it serves as a credit card, so if stolen he is out the money and any money he had left from the previous pay date