Please help with the questions. Thanks

3. Which of the following statements is not true about retirement savings? a. No tax is paid now on money paid into sheltered savings plans. b. Funds in sheltered savings plans grow before tax. C. No tax is ever paid on money paid into sheltered savings plans. d. Unsheltered savings are bought with after-tax dollars. 4. Marie is deciding if she should retire now at age 61 or wait until age 70. Her health is very good she expects to live to 90. Which of the following statements is true about her CPP retirement income if she expects to live to age 90 and will be eligible to collect the full retirement benefit at age 65 and is using a discount rate of 3%? a. She should retire now. b. She should wait until age 70. C. It doesn't make any difference. d. This cannot be assessed without knowing the amount of the full retirement benefit