30. Shirley's single premium life insurance policy has a 2 percent bailout provision. What does this mean for Shirley? a. All of her premiums will be refunded if the policy's interest rate falls to 2 percent. b. The insurer pays any tax penalties if interest rates decline by 2 percent or more. c. She will not pay a surrender charge if the crediting interest rate declines by 2 percent or more from the rate at the time she purchased the policy. d. The guaranteed interest rate in her contract is 2 percent