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Fred has a retirement plan offered through his employer. After 5 years, Fred will be 100% vested. From this, we know that Fred's employer utilizes

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Fred has a retirement plan offered through his employer. After 5 years, Fred will be 100% vested. From this, we know that Fred's employer utilizes what type of vesting schedule? l. Cliff vesting Il. Graded vesting both I and II Il only I only neither I nor Il

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