15. Jim and Theresa, married couple, are both age 65 and plan to retire this year. They need $75,000 per year in retirement, and they expect to live into their 80s. They plan to draw $30,000 per year in social security and they have $500,000 in savings, invested to earn a real return of 4%. Which of the following scenarios best describes their situation? a. They have sufficient assets to grow the value of their portfolio throughout retirement b. They have sufficient assets to maintain the value of their portfolio throughout retirement c. Their income requirement will deplete their portfolio in approximately 8 years d. Their income requirements will deplete their portfolio in approximately 15 years