Q4. Social Security Administration (SSA) provides social security benefits to a person average of 35 years of her/his earnings. If the person has less than 35 years of earnings, the administration uses $0 income for those years for which she/he has no earnings. Every $0 is replaced by every year of earnings. Currently, the person is getting $30,000 yearly benefits for her/his 20 years earnings. She/he plans to report $84,000 earnings to SSA next year, her/his increase in monthly benefits will be: a. S195 b. $190 c. $200 d, $192