Which of these represent indirect costs of financial distress?
I. Court fees paid to a bankruptcy court
II. A firm's supplier requiring payment in cash rather than offering its normal credit terms
III. Cost of a manager's time spent renegotiating the terms of a debt to avoid bankruptcy
IV. Loss of a key employee concerned about job security and the future of the firm
I and II only
III and IV only
I, II, and III only
II, III, and IV only
I, II, III, and IV