问题如下：
Which of the following characteristics of a residential mortgage loan would best protect the lender from a strategic default by the borrower?
选项：
A. Recourse
B. A prepayment option
C. Interest-only payments
解释：
A is correct.
In a recourse loan, the lender has a claim against the borrower for the shortfall between the amount of the mortgage balance outstanding and the proceeds received from the sale of the property. A prepayment option is a benefit to the borrower and would thus not offer protection to the lender. An interest-only mortgage requires no principal repayment for a number of years and will not protect the lender from strategic default by the borrower.
请问B具体是怎么操作呢？
