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Emma is a partner in a dental firm and applies for a loan with First State Bank on behalf of the firm without the authorization of the other partners. If First State knows that Emma is not authorized to take out loans on behalf of the firm, then

a. Emma alone will be liable for repayment.
b. the partnership alone will be liable for repayment.
c. the partnership and Emma will be jointly liable for repayment .
d. the partnership and Emma will be jointly and severally liable for repayment.