4. According to your tax calculations, which of the following statements is (are) true? a. The Grahams should use the standard deduction rather than itemize expenses. b. Given their AGI, the Grahams can deduct Daisy' 5 IRA contribution because she is not an active participant in a qualied plan. c. Even though Onslo is an active participant in a qualied plan, the Grahams can deduct his IRA contribution because he is over age 50 this year. d. Both a and b are correct