Giovanni is a sole proprietor. Unfortunately, his business has failed and he is now bankrupt. Many years ago, he contributed $10,000 to an RRSP. His account is now worth $15,000. How would you describe Giovanni's situation? His creditors will not have access to the assets in the RRSP, but only if the money is invested in segregated funds. His creditors will not have access to the assets in the RRSP, no matter how the money is invested. His creditors will have access to $10,000 in the RRSP. His creditors will have access to $15,000 in the RRSP.