         let result = viewModel.isValid()
         XCTAssertFalse(result)
     }
+    
+    func testIsValidAllValidCardHolderDisabled() {
+        viewModel.updateCardHolderEnabled(enabled: false)
+        
+        let _ = viewModel.updateCardNumber(input: "4242424242424242")
+        let _ = viewModel.updateExpiration(input: "12/99")
+        let _ = viewModel.updateCvc(input: "123")
+        
+        let result = viewModel.isValid()
+        XCTAssertTrue(result)
+    }
+    
+    func testIsValidNotAllValidCardHolderDisabled() {
+        viewModel.updateCardHolderEnabled(enabled: false)
+        
+        let _ = viewModel.updateCardNumber(input: "4242424242424242")
+        let _ = viewModel.updateExpiration(input: "12/99")
+        let _ = viewModel.updateCvc(input: "1")
+        
+        let result = viewModel.isValid()
+        XCTAssertFalse(result)
+    }
 }

    }

    func testIsValidAllValid() {
        let _ = viewModel.updateCardNumber(input: "4242424242424242")
        let _ = viewModel.updateExpiration(input: "12/99")
        let _ = viewModel.updateCvc(input: "123")

    }

    func testIsValidNotAllValid() {
        viewModel.updateCardHolderEnabled(enabled: true)
        
        let _ = viewModel.updateCardNumber(input: "4242424242424242")
        let _ = viewModel.updateExpiration(input: "12/9")
        let _ = viewModel.updateCvc(input: "123")
