Refer to Schedule 8, "Projections of Retirement Incomes after Fred's death". Why is Irene's pension income in the year she turns 79 years of age so much higher in Schedule 8, compared to Schedule 7?' a) It includes a portion of Fred's CPP benefits that he assigns to her. b) It includes a survivor's pension from Fred's pension plan. c) It includes annuity payments resulting from the conversion of her LIF at age 80. d) It reflects the increase in RRIF withdrawals that she must make at that time