Which of the following modifications to the list of assets and liabilities below would result in a negative net worth? house valued at $90,000. mortgage owed $78,000. car valued at $11,000. car loan of $5,000. student loan of $13,700. stocks valued at $2,500. savings of $3,000. a. net worth is already negative. b. house value decreasing to $83,000. c. borrowing $10,000 more in student loans. d. selling off all owned stocks.