Final answer:
James Ryan, who distributes Coors Beer, owns a product and trademark franchise, which allows him to sell Coors Beer products under the established brand name.
Step-by-step explanation:
Given that James Ryan has been a Coors Beer distributor for the past two decades, we can infer that the type of franchise he owns would involve the distribution and sale rights of a particular product, which in this case, is Coors Beer, as well as the associated trademarks. The correct option here is a) product and trademark franchise. This type of franchise involves the right to sell a well-known brand's products, which is exactly what James is doing as a Coors Beer distributor.