Johanna has a sum of money to invest that she would like to have available in $7$ years for a down payment on a house. She is considering investing in the Altitude Conservative Bond Segregated Fund which has a deferred sales charge $($DSC$).$ The DSC on the fund is reduced each year until the $6$th year and the fund has a $10$ year term. Which of the following factors poses a limitation to Johanna$$s investment goal of withdrawing her investment in $7$ years?

a$)$ The trailing commission which will reduce the withdrawal amount if withdrawn before $7$ years.

b$)$ The maturity guarantee will not be available if the amount is withdrawn in $7$ years.

c$)$ The management expense which will reduce the withdrawal amount if withdrawn before $6$ years.

d$)$ The deferred sales charge which will reduce the withdrawal amount if withdrawn after $6$ years.