4. Nina, retired teacher has been receiving her pension for many years from the State of Massachusetts. Her pension is $1,250 per month. Three years ago her automatic deposits went from $1,250 per month to $12,500 per month. She waited several months for the money to disappear from her account but then decided to enjoy it. She bought gifts for her grandchildren and went on lavish vacations. Her annual 1099R reporting her retirement income continues to report only $15,000 for annual payment. DESCRIBE CONTROLS THAT MIGHT HAVE PREVENTED THIS LOSS and in your opinion what should happen to Nina, she is 75 years old. Her husband is a retired Bank President and CPA?