Answer:
The correct answer is letter "D": Judy, an expert horse trainer, sells Bob a horse.
Step-by-step explanation:
According to the Uniform Commercial Code (UCC) a merchant is a person who deals with a product or service of a business in which that person is regularly engaged. The merchant has knowledge and expertise related to the practices involved in the business transaction.
In that sense, only Judy, who is a horse trainer, would be labeled as a merchant by the UCC for selling a horse.