Which is NOT an example of a major reason that funds are borrowed to make large investments in physical capital and human capital? a. A student borrows to cover university tuition with the expectation that his loan payments can be made out of future earnings that will be higher due to his investment in human capital. b. A woman chooses to borrow funds to buy a new car rather than choosing to withdraw funds from her savings to pay in cash. c. A woman uses her entire savings for a down payment and borrows to cover the cost of equipment and a factory building to produce a good she has recently developed. She did not have the funds to produce the good without the loan. d. Rather than raising taxes today to pay for a new bridge that will facilitate transportation and economic growth, the government borrows to cover the cost of the bridge with plans to repay the loan later with additional tax revenue