"Only companies that are in financial difficulty seek to borrow money. " Which of the following is best associated with this statement

a.

The above statement is true because people and companied only borrow when they they are short on cash

b.

It is prudent for individuals or businesses to leverage (borrow) heavily especially if the debtors are seeking to grow their businesses more quickly than if they prefer to shy away from debt.

c.

If businesses and individuals have lots of cash then it is not financially prudent for them to borrow money to grow their businesses

d.

Debt should only be undertaken when you are quite certain that you can pay it back and per the loan agreement.