By Definition,which of the Following Costs Are Included in the Term

Multiple Choice

By definition,which of the following costs are included in the term "financial distress costs"?
I.direct bankruptcy costs
II.indirect bankruptcy costs
III.direct costs related to being financially distressed,but not bankrupt
IV.indirect costs related to being financially distressed,but not bankrupt

A) I only
B) III only
C) I and II only
D) III and IV only
E) I, II, III, and IV