Kathy has an account balance in her employer's money purchase pension plan of $100,000. The plan has a 2-to-6-year graded vesting policy. She has been a participant for three and a half years and has worked for the company for five years. Assuming the plan permits loans, what is the maximum loan that Kathy could take from the plan? a. $20,000. b. $30,000. c. $40,000. d. $50,000