Mary is the sole proprietor of her business and the business has recently begun experiencing financial difficulties. Mary expresses concerns that creditors could seize her savings. Which of the following is a correct statement about creditor protection?

a) If Mary invests in segregated funds for the purpose of protecting her savings from creditors, they will not be able to pursue a claim against her in bankruptcy proceedings

b)If it appears in bankruptcy proceedings that Mary invested in segregated funds to credit proof their value and protect their seizure against payment of debt, the investments may be seized.

c)Creditor protection is Mary's most important need and this should motivate her to select segregated funds for investment.

d)If Mary invests in segregated funds for creditor protection and the funds decline in value, Mary will be required to pay the creditors the loss on the capital at the time of seizure.