Who of the following people is most in danger of being personally bankrupt? Assume that all of their businesses' assets are highly liquid and can therefore be sold immediately.

Select one:

a. Alice has $5,000 cash, owes $20,000 credit card debt due immediately and owns a sole tradership business with assets worth $30,000 and liabilities of $10,000.

b. Billy has $5,000 cash, lent $20,000 to his friend, and doesn't have any personal debt or own any businesses.

c. Carla has $5,000 cash, owes $10,000 credit card debt due immediately and 100% owns a corporate business with assets worth $20,000 and liabilities of $10,000.

d. Darren has $10,000 cash, owes $20,000 credit card debt due immediately and 100% owns a sole tradership business with assets worth $40,000 and liabilities of $10,000.

e. Ernie has $10,000 cash, owes $20,000 credit card debt due immediately and 50% owns a corporate business with assets worth $20,000 and liabilities of $10,000.