9) Amelio and Amelia are looking to move from their rental apartment. They have saved for a condo and are ready to purchase their first home which is on the market for $295,000. They both have Registered Retirement Saving Plans (RRSPs) and as of today, July 5, 2021, the market value of Amelio's RRSP is at $23,775 while Amelia's is at $37,443. Amelio also has $5,000 in his savings account. Which statement is incorrect? (See Table E) a) Using their RRSP's as a down payment under the HBP may be a great option for Amelio and Amelia as it may help them accumulate towards the 20% down payment to avoid having to pay default insurance premiums. b) If Amelio still had enough "contribution room" in his RRSP, he could move money from his savings and make a contribution into his RRSP at least 90 days before the closing date on the purchase of the new condo, then simply withdraw the money through the Home Buyers' Plan. This would allow Amelio's RRSP contribution to count as a tax deduction in his 2021 tax return which he could use his tax refund to repay the RRSP under the HBP and help pay for other expenses. c) Under the HBP, their first repayment is not due until 2 years after they make their withdrawal. d) Under the HBP, the full amount of their withdrawal must be repaid within 15 years; they can start making repayments anytime, and they can repay the full amount early with no penalty. e) With their current RRSPs, Amelio and Amelia can withdraw up to $61,218 under the HBP to put towards a down payment on their new home