Mike and Mary are married. Mike is a police officer and earns $100,000 per year. He contributes 10% of his salary to his retirement plan. His employer also makes a 5% match contribution. Mary stays at home with their children and contributes $5,000 to an IRA. What is their total saving rate? (Hint: IRA is retirement saving account.)

A. 10.0%

B. 20.0%.

C. 20.5%.

D. 25.0%.