In which of the following circumstances does credit protection offered by segregated funds apply?

a$.$ When an irrevocable beneficiary has been named in the non$-$registered contract.

b$.$ When the contract holder of a non$-$registered plan has pledged the security for a loan.

c$.$ When a revocable beneficiary in Quebec is in a special relationship with the annuitant.

d$.$ When both the revocable and irrevocable beneficiary of a contract is a charitable organization