Ray had a balance of $145 in his bank account. He then spent $15 for stationery, $50 for food, and $60 for gas. Now he has a balance of $20. After spending money on stationery, food, and gas, Ray has a ______balance. He _____:
a) Positive; gained $10
b) Negative; lost $25
c) Positive; gained $25
d) Negative; lost $10
