41 Gianfranco and Maria are married. The couple has just retired and plans to travel extensively in the early years of their retirement. They anticipate they will require $20,000 annually for this purpose. Gianfranco is in a 24% combined marginal tax bracket; Maria is taxed at a combined rate of 42%. These tax rates are reflective of the rates each individual will continue to face for the foreseeable future. Gianfranco has $182,000 in an RRSP and $160,000 in a non-registered GIC. Maria has $410,000 in her RRSP and has $370,000 in a non-registered money market mutual fund. If Gianfranco and Maria aim to maximize tax efficiency, what pool of savings should the couple draw from LAST for purposes of meeting their travel expenses? a) Gianfranco's RRSP b) Gianfranco's non-registered GIC c) Maria's RRSP d) Maria's shares in a non-registered money market mutual fund $