The correct answer is: **to portray Tom in a more favorable or positive way**.
The author uses euphemism when describing Tom's shortcomings, such as being "style-challenged" and having humor that "leaves a lot to be desired." These phrases soften the critique of Tom's character, making him seem more likable despite his flaws. By highlighting the possibility that he would return lost money, the author ultimately paints Tom in a more positive light, suggesting that his moral qualities outweigh his negative traits.