Andy and Jenelle, both age 69, would like to make contributions to their registered retirement savings plans (RRSPs). For the current year, Andy’s RRSP contribution limit is $8,000 and Jenelle’s RRSP contribution limit is $5,000. Andy has an individual RRSP and a spousal RRSP for Jenelle. Jenelle has an individual RRSP. Neither Andy nor Jenelle have ever over-contributed to their RRSPs in the past. 

Which of the following statements about Andy and Jenelle’s RRSP contributions is CORRECT?

a) Andy can contribute $8,000 to Jenelle’s spousal RRSP and Janelle can contribute $5,000 to her individual RRSP without penalty.

b) Andy can contribute $5,000 to Jenelle’s spousal RRSP and $8,000 to his individual RRSP without penalty.

c) Jenelle can contribute $5,000 to her individual RRSP and $8,000 to her spousal RRSP without penalty.

d) If Andy contributes $5,000 to Jenelle’s spousal RRSP, her contribution limit will be reduced to $0.