Joan purchases a government bond for $10,000 that pays 7% annual interest. Jim purchases $20,000 worth of corporate bonds that pay 10% annual interest. If Joan's goal is to earn $700 per year on her investment, and Jim's goal is to earn $2,000 per year on his investment, then

a	both Jim and Joan are effective.
b	Jim is more efficient than Joan.
c	Joan is more efficient than Jim.
d	both both Jim and Joan are effective and Jim is more efficient than Joan are correct.
e	both both Jim and Joan are effective and Joan is more efficient than Jim are correct.