Steve makes $82,000 in salary and he has qualified for annual bonuses in each of the last 2 years, $4,500 and $7,500 respectively. His group benefits provide Long Term Disability (LTD) benefits after 4 months off work, continuing for 2 years based on an "own occupation" definition of disability. Steve approaches you because he feels he needs more protection since his wife Edie is a stay-at-home mom without coverage. Which of the items below must you collect in respect of Steve's income and existing coverage?

a)            a copy of Steve’s Group Benefits Booklet and his T1 Income Tax Returns and Notice of Assessments for the past 2 years

b)            a complete statement of Steve's assets and liabilities including those from the mortgage lender and for any credit cards

c)            a copy of Steve's employer's personnel file confirming his occupational risk category from Workers Compensation

d)            a complete profile of Steve's estate plan and will