52 Which of the following is a problem of the Social Security system? O a. Social Security benefits do not directly depend on the withholdings assessed against the employee w O b. It provides limited income to those retirees who do not have other sources of income, that is, no part c. Individuals can avail full Social Security benefits as early as at the age of 55, which puts undue press O d. The state often lacks a sufficient amount of funds needed to cover all retirees