Angelo has a Registered Retirement Savings Plan (RRSP) contribution limit of $8,500 for the current year. His wife, Adriana, has an RRSP contribution limit of $11,000 for the current year. Both Angelo and Adriana would like to contribute to their RRSPs this year. When they ask you about the rules regarding their RRSP contributions, which of the following is the CORRECT response that you should provide to Angelo and Adriana?
a) Angelo can contribute a maximum of $10,500 to his own RRSP and $13,000 to a spousal RRSP for Adriana without penalty.
b) Adriana can contribute a maximum of $11,000 to her own RRSP and $8,500 to a spousal RRSP for Angelo without penalty.
c) Adriana can contribute a maximum of $13,000 to her own RRSP without penalty.
d) Angelo can contribute a maximum of $13,000 to a spousal RRSP for Adrianna without penalty.