4. An "Agency issue is most likely to occur/develop when: O into ou bielom a.) A firm downsizes b.) The firm's owner is also its key manager c.) A firm is structured as a general partnership d.) A firm encounters a period of stagnant growth e.) The Control of a firm is "Separated" from the Firm's Ownership (i.e. Management and Shareholders are Not on the same page) 5. Karley Furniture is setting aside $32,000 at the end of each Quarter for the next three (3) Years, for an expansion Project. How much money will the firm have at the end of the three (3) years if it can earn an average annual return of 5.45 percent on its savings? a.) $390,411.20 b.) $414,123.86 c.) $362,009.14 d.) $428,409.29 e.) $414,123.86