Adisadvantage of forming a partnership is that owners
can find it tougher to start and stop a business.
can find it more difficult to get a bank loan.
are only responsible for their own finances.
are fully responsible for their partners' losses.

Are fully responsible for their parters' losses.

Explanation:

Remember that a partnership is a business structure in which two or more individuals come together and carry on a business. They both agree to put their money, skill and resources in order to make it easier to manage the business as well as increase their profit. This partnership agreement must be very clear to avoid conflict between partners. Every responsability and duty must be specified. It is important to mention that both partners agree not only on sharing the profit, they also share the losses, they are both responsible for the business management.  

b. b. b. is the anoswer