Carly wants to buy and operate an ice-cream truck but doesn’t have the financial resources to start the business. She borrows $20,000 from her friend Freddie, to whom she promises an interest rate of 7 percent, and gets another $30,000 from her friend Sam, to whom she promises a third of her profits. What best describes this situation?

a. Freddie is a stockholder, and Carly is a bondholder.

b. Freddie is a stockholder, and Sam is a bondholder.

c. Sam is a stockholder, and Carly is a bondholder.

d. Sam is a stockholder, and Freddie is a bondholder.