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

A both 2 the answers are correct.
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.
B knowing that your cargo is securely tied down and covered.
C recognizing overloads and poorly balanced weight.