In the United States and Japan, people spend what they earn (or more), so retirees are going to be hurting. Italy's citizens are among the oldest in Europe, but they're good savers. Germany's age demographics and savings habits are somewhere in between. These trends show all of the following EXCEPT: a. Demographic, lifestyle, and cultural trends boost or constrain the success of a new product. b. The most stunning demographic trend in America and Western Europe is the aging of the population. c. There is no wealth implication of aging. d. Trends form the context for new product forecasting