Perry: Worker-owned businesses require workers to spend time on management decision-making and investment strategy, tasks that are not directly productive. Also, such businesses have less extensive divisions of labor than do investor-owned businesses. Such inefficiencies can lead to low profitability, and thus increase the risk for lenders. Ttherefore, lenders seeking to reduce their risk should not make loans to worker-owned businesses. Which one of the following, if true, most seriously weakens Perry's argument? ['Worker-owned businesses have traditionally obtained loans from cooperative lending institutions established by coalitions of worker-owned businesses.', 'Lenders who specialize in high-risk loans are the largest source of loans for worker-owned businesses.', 'In most worker-owned businesses, workers compensate for inefficiencies by working longer hours than do workers in investor-owned businesses.', "Businesses with the most extensive divisions of labor sometimes fail to make the fullest use of their most versatile employees' potential."]