Jack and Mary are discussing their retirement plans with their life insurance agent. They want to ensure that they understand the risks to their retirement income so that they may take steps to limit those risks. Mary works for a company that has a defined benefit pension plan, but is concerned about what might happen if the company goes out of business, or is unable to fund the pension. Given this scenario which of the following statements is most correct? Select one: a. Only DCPP have payment guarantees b. Pension payments are not guaranteed c. It may be government guaranteed d. DBPP are fully guaranteed by the government