Joseph, Thomas, Stuart, and Gordon each own 25% of a world-renowned corporate training firm Earlier this year, one of the companies that they do business for, Star Labs Inc., was dissolved due in large part to a dispute between the various shareholders when deciding how to deal with a disabled partner who was no longer able to contribute adequately to the success of the business Joseph, Thomas, Stuart, and Gordon are determined to avoid such a situation What would you recommend to the partners to address this specific concern? Key person coverage Business loan protection Disability business overhead expense (BOE) insurance Disability buyout coverage