Ryan and khalil each have their own savings. together, they borrowed $72 from a friend to buy a gift for their coach. each has to pay back an equal amount to their friend. ryan also owes the friend $12. which explains whether the equation below represents the debt that ryan owes his friend?

a. it represents the debt because each one owes $36, and ryan owes an additional $12.

b. it represents the debt because ryan has to pay back $36 and he will get back $12.

c. it does not represent the debt because paying back $12 means that –12 is added, so the result is not –48.

d. it does not represent the debt because the result should be a positive number since a dollar amount cannot be negative.