After Ramzi retired from the fire department, he decided to open a sandwich shop near the beach. He paid his start-up costslicenses, building rental, refrigeration, ingredients, and employee initial paywith a loan he took out against his house. When a customer sued Ramzi, claiming she got sick from spoiled roast beef, Skip lost not only the business but also his house, his car, and part of his pension fund from the fire department. Which of the five disadvantages of being a sole proprietorship explains Ramzi fate Select one: a. having unlimited financial liability b. being overstressed about time c. not being able to sell the business d. having management problems