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The parties dispute the legal effect of a contested transaction. A contract named a lender for payment and the promisee later assigned payment rights. The facts support the doctrine in part, but a timing problem may limit the requested remedy. The parties disagree about the legal effect of those facts. What is the strongest reason for the likely result?

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Assume the doctrine applies because one element appears satisfied, even if the remaining elements are contested. The court should resolve the dispute by applying the operative rule to the material facts: The answer should identify the governing rule for Third Party Rights and apply it to the operative facts. Reject the claim or defense solely because the opposing party disputes a required fact. Import a rule from a nearby issue instead of applying the rule triggered by these facts.

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