Owners of deeply indebted and chronically unprofitable small businesses sometimes try to convince others to invest money in their companies. Since the money thus acquired will inevitably be used to pay off debts, rather than to expand operations, this money will not stimulate sales growth in such companies. Thus, most people are reluctant to make these investments. Surprisingly, however, such investments often earn handsome returns in the very first year they are made. Which one of the following, if true, most helps to explain the surprising results of suchs investments? ['Expanding production in such companies would usually require more funds than would paying off debts.', 'Banks are reluctant to lend money to any company that is already heavily in debt and chronically unprofitable.', "Paying off debts, by saving a company the money it would otherwise owe in interest, decreases the company's overall expenses and thereby increases its profits.", 'Investors usually choose to reinvest their returns on such investments.']