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George is hoping to retire early but is unsure if he has earned enough credits. Which example explains the earliest age he can retire with

George is hoping to retire early but is unsure if he has earned enough credits. Which example explains the earliest age he can retire with Social Security benefits and the number of credits he needs?

(a) 62 and 40 credits

(b) 67 and 40 credits

(d) 65 and 40 credits

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