QUESTION 31 Investors who have international investments are subject to 1. political risk II. currency risk III. regulatory risk I and II O I, II, and in Oll and III I and III QUESTION 32 What is the required beginning date (RBD) for traditional IRAS? The year after the investor reaches the age of 59% The year the investor turns the age of 70% April 15th of the year after the investor reaches the age of 70% April 1st of the year after the investor reaches the age of 70%