Charlie, whose full retirement age is 67, is trying to choose between starting his Social Security retirement benefits at age 62 or 64. If he begins at age 62, his payment will be reduced by how much? 5/9 of 1% for each month filed before FRA, up to 36 months 5/12 of 1% for each month filed early in excess of 36 months A) II only B) I only C) Neither I nor II D) Both I and