Answer: All the options given are correct. Options I - IV are right.
Explanation:
Financial distress is a situation whereby an individual or an organization is unable to generate income or profit as a result of it's inability to pay its liabilities to lenders and creditors and lenders. These financial problems coupled with insufficient money result in stress.
The term financial distress cost consist of all the four options, therefore the correct answer is all the options provided. Financial distress cost is when organizations cannot pay it's liabilities from the revenue generated.
Financial distress cost can be as a result of direct costs that are related to being distressed financially but not bankrupt, indirect bankruptcy cost etc.