COLLAPSE Plan ABC offers the following optional forms of benefits: life annuity, 10 certain & life, J & 100% S, and lump sum, in addition to its required forms of benefits of a life annuity or J & 50% S. Suggest what form of benefit the employees in the following scenarios should elect: (1) A single employee is retiring at age 65, in good health, with no heirs (2) A married employee is retiring at age 65, with a spouse who has always worked part-time and not covered under an employer's plan, both in good health (3) Same as in (2) above but the employee is in poor health, but the spouse is in good health (4) A married employee is retiring at age 65, and both the employee and spouse are in poor health