Using a poverty line of $12,500, under the current system of calculating the poverty rate, which of the following people are not considered to be in poverty and probably ought to be?

a. A rural family whose sole income earner is from a minimum wage ($10,300) position

b. A rural family whose combined income is $15,000

c. A New York City family whose combined income is $13,000

d. A retired couple whose multi-million-dollar estate yields them no income