b.
The same prerecorded message to lower interest rates using multiple area codes & caller ID's. Typical calling phone numbers are & note there all XXX-368-24XX;
2133682453, 2133682458
4063682453
4803682451, 4803682452, 4803682453, 4803682454, 4803682457, 4803682458
5203682450, 5203682451, 5203682453, 5203682454, 5203682457
6023682451, 6023682453, 6023682454, 6023682455, 6023682456, 6023682458, 6023682460
6233682450, 6233682453, 6233682548