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Question:

Whether or not you load or secure your cargo yourself, you are responsible for

A Both answers are correct.
Explaination

Regardless of who loads and secures the cargo, you, the driver, are responsible for its safety. As part of your pre-trip inspection, make sure that the cargo is balanced, secured, and not overloaded, and does not get in the way of emergency equipment. The cargo's safety could be compromised otherwise.