Please answer all of the folllowing questions even if already marked. Rate promised.

Jane is about to retire from Cummins after 35 years, and she is covered by a DB pension plan. She should take the default option if she is Very healthy Very sick All else equal, a typical DB pension plan will experience an actuarial loss if Market interest rates rise Market interest rates fall If a company institutes a "hard freeze" on its DB pension plan, so new employees cannot participate, and current participants no longer earn more benefits from working, then The interest cost for the plan will be zero going forward The service cost for the plan will be zero going forward In the XYZ 401(k) plan, all employer contributions are immediately vested. Suppose XYZ matches the first 5% of the employee contributions dollar-for-dollar. Will this plan be generous enough to qualify as a safe-harbor plan? yes, it will no, it won't