This diagram shows the age-earnings profiles of three different individuals who opt to choose three options: not graduating from high school, graduating from high school, and graduating from a university. The sum of the areas labeled b), c), and d) refers to: Group of answer choices The explicit, out-of-pocket costs incurred The opportunity costs incurred by someone who opted for income stream B (a high school graduate) The earnings premium earned by someone who opted for income stream B (a high school graduate) relative to a worker who did not obtain a high school diploma. The earnings premium earned by someone who opted for income stream C (a university graduate) relative to a worker who graduated from high school. The total cost of attending university