B. Create a criteria-based sharing rule giving the Retail Sales role access to Accounts of type PersonAccount.

To meet the requirement that the retail sales team should have access to all retail customers (Person Accounts) but not to commercial customers (Business Accounts), while the organization-wide default (OWD) on Account is set to Private, a criteria-based sharing rule can be effectively used. This rule can be configured to share Accounts where the record type matches "PersonAccount" (or any criteria that uniquely identifies Person Accounts) with the Retail Sales team or role. This approach allows for automatic sharing of all Person Accounts with the specified users, regardless of who owns the accounts, thereby ensuring the retail sales team has the necessary access without manually adjusting permissions for each record.