Randy, age 42, wants to open an IRA for retirement.Randy meets the eligibility requirements necessary to make an IRA contribution.Which of the following statements regarding Randy's IRA contributions is correct?

Select one:

a.If Randy chooses to make a contribution to a traditional IRA, his contribution will be nondeductible due to his age.

b.Randy can contribute to a traditional or Roth IRA; however, his contribution could be limited.

c.Randy can only make a traditional IRA contribution.This answer is incorrect.Randy may make a contribution to either a traditional or a Roth IRA.

d.Randy can only make a Roth IRA contribution.