Which of the following modifications to the list of assets and liabilities below would result in a negative net worth?House valued at $90,000.Mortgage owed $78,000.Car valued at $11,000.Car loan of $5,000.Student loan of $13,700.Stocks valued at $2,500.Savings of $3,000.a.Net worth is already negative.b.House value decreasing to $83,000.c.Borrowing $10,000 more in student loans.d.Selling off all owned stocks.