On December 31, Franklin had a net worth of $180,000. In January, Franklin acquired a new automobile valued at $12,000, which reduced the family's total cash by $5,000 and increased their liabilities by $7,000. What is the family's net worth after these changes?

Select one or more:

a. 175,000

b. 173,000

c. 192,000

d. 180,000