xavier is purchasing a new car. the car dealership needs a $3,000 down payment before it will process a loan for the remaining balance. xavier does not have a checking account, but he does have $3,000 in a savings account. he does not want to risk having the money stolen or lost on the way from the bank to the car dealership. what option could xavier use to make the down payment that would be acceptable to the dealership while providing protection for xavier?