Otto is an angel investor. This means that he

a$)$ invests his money in new businesses with potential for growth, hoping for a good return on his investment if they go public.

b$)$ creates business incubators for start$-$up web$-$based firms.

c$)$ invests in nonprofits that plan to change their status when they double in size.

d$)$ comes to the rescue of firms who default on their bank loans.