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After a deal breaks down, one party sues for relief and the other resists enforcement. A contract named a lender for payment and the promisee later assigned payment rights. The decision maker must choose between a categorical shortcut and a fact-sensitive standard. The parties disagree about the legal effect of those facts. Which option gives the best analysis?

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Resolve the dispute on equitable fairness alone without identifying the governing doctrine or its limits. Assume the doctrine applies because one element appears satisfied, even if the remaining elements are contested. Stop the analysis once the proponent states a plausible rule, without addressing the strongest counterargument. 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.

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