Seltzer Inc. sells all its merchandise on credit. It has a profit margin of 4 percent, days sales outstanding equal to 60 days (based on a 365-day year), receivables of $147,945.2, total assets of $3 million, ?and a debt ratio of 0.64. What is the firm's return on equity (ROE) 0 33.3% a O 71.0% .b O 7.1% .c O 3.3% .d O