In general, which of the following factors make the idea of converting a traditional IRA to a Roth IRA seem more attractive? a. A high current tax rate and a low expected tax rate during the account owner's retirement, b. The expectation of a low rate of return o. the investments held in the account after the conversion, c. A low current tax rate and a high expected tax rate during the account owner's retirement Years, d. A short time until the account owner reaches retirement age.