Explanation:

- Option 1: No or very few assets

- Urban poor often have limited resources or possession.

- They might not own significant property or valuables.

- Option 2: Kutcha hutments as dwellings

- Many urban poor live in temporary or makeshift homes.

- These shelters might lack durability and adequate facilities.

- Option 3: Both a and b

- Combines characteristics from both options above.

- Reflects the common issues faced by urban poor effectively.

- Option 4: None of the above

- Suggests that neither characteristic applies.

- Does not accurately reflect the common traits of urban poor.

The correct answer is:

Option 3: Both a and b