To ensure customers' security, various financial companies offer certain protections for consumers. For example, some offer protections if a card is lost or stolen, including zero liability protection. Which statement best explains the meaning of zero liability protection? A) Stolen cards are guaranteed to be found, and criminal charges brought against people who steal them.

B) Consumers are provided a replacement card, free of charge, after they
report a card lost or stolen.

C) Cards are guaranteed to be replaced within three business days of being
reported lost or stolen.

D) Consumers are not responsible for unauthorized transactions if their cards
are lost or stolen.