Question: What can occur when separate quotas are granted to a user, causing some of their credit to be reserved at the Server?
Option 1: Credit accumulation
Option 2: Service prioritization
Option 3: Credit fragmentation
Option 4: Quota optimization
Explanation: Credit fragmentation occurs when granting separate quotas causes some of a user's credit to be reserved at the Server, potentially leading to denial of new services despite remaining unused credit in the user's account.