Alan and Loretta have been married for 25 years. They have two children, aged 22 and 16, and live in a large home just west of Toronto. Last month, they told their children that they were separating. Because of the high cost of rent, Alan decided to move into the spare bedroom of the matrimonial home. He made this move on January 28th, 2022. Before the divorce was finalized, Alan and Loretta discuss the idea of remaining separated rather than obtaining a divorce. Which of the following are the most likely reasons why they might make this decision?

a. Loretta thinks that after living alone for a period of time, Alan will want to reconcile

b. Loretta is unemployed and can continue to use Alan's health and dental benefits

c. Both A and B

d. Alan does not want Loretta to remarry