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