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Which of the following is an example of a negative externality?

 a. Sally buys coffee at McDonald's, spills some on her, and burns her arm.

 b. An employee of a chemical company spills acid on his arm, causing severe damage.

 c. A Japanese company begins to produce cars, which causes American workers to lose their jobs.

 d. John plants fruit trees in his front yard, which attracts bees, which sting neighbor Mary

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