A buyer that is 70 years old may cancel home improvement transaction prior to midnight the ________ business day after the transaction.

The correct answer is the 7th business day after the transaction, specifically for buyers who are 65 years old or older. This is in line with consumer protection laws designed to safeguard older adults in financial transactions. These laws recognize that older individuals may require additional time to reconsider their commitments and make informed decisions regarding home improvements. This grace period allows them to fully evaluate their situation without pressure, promoting fairness and transparency in home improvement sales. The provision is part of a broader effort to ensure that vulnerable populations, including senior citizens, have adequate rights and protections in contractual agreements.