Martin was trying to sell pumps for circulating water in decorative goldfish ponds when he realized that the reason he was not able to sell many pumps was the weight of the model he was trying to sell. he approached his firm's engineering team with the idea to replace every possible metal part of the pump with a hard plastic substitute. after making the change in design, the pumps became lightweight and were better able to meet customers' requirements. as the martin identified an opportunity, saw the project from its conception to the development of a lighter model pump.

a. change agent
b. gatekeeper
c. driver
d. spotter
e. champion

On february 10, 2014, after issuance of its financial statements for 2013, higgins company entered into a financing agreement with cleveland bank, allowing higgins company to borrow up to $6,000,000 at any time through 2016. amounts borrowed under the agreement bear interest at 2% above the bank's prime interest rate and mature two years from the date of loan. higgins company presently has $2,250,000 of notes payable with star national bank maturing march 15, 2014. the company intends to borrow $3,750,000 under the agreement with cleveland and liquidate the notes payable to star national bank. the agreement with cleveland also requires higgins to maintain a working capital level of $9,000,000 and prohibits the payment of dividends on common stock without prior approval by cleveland bank. from the above information only, the total short-term debt of higgins company as of the december 31, 2013 balance sheet date is