Patricia is a healthy 14-year old. She was financially dependent on her father who has just passed away. She is the beneficiary of her father's RRSP. What can she do with the money to avoid paying taxes immediately? a) purchase a term-certain annuity providing for payments for a maximum of 18 years b) purchase a term-certain annuity providing for payments for a maximum of four years c) transfer the money to an RRSP in her own name d) The money is not taxable