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Answer

Correct Option is Only (b) and (c)

Solution:Among the given options, both (b) and (c) are correct. Hence, option (d) is the right answer choice.
Refer to the second line of the second paragraph, “However young, we need to start saving now to meet the goals of a financially secure retirement. It would be foolish to not have a retirement plan on the grounds that it is in the distant future, that medical sciences might advance, or that we could consider retirement properly when we are richer in middle age.”

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