Which of the following would be considered a carrying cost of credit? I. Suzie buys $200 of goods on credit but never pays her bill. II. It costs $500 a week to employ Jack to call customers concerning their late payments. III. It requires 5 hours a week, at an annual salary of $50,000, for the manager to approve credit applications. IV. Maxwell, Inc. requires an annual rate of return of 12% on its receivables. I and II only I, II, III, and IV I only I, II, and III only II and III only