What statement concerning non-pooled RESPs is FALSE? 

a) A subscriber is allowed to withdraw capital from the plan at any time. 

b) The principal contributed by a subscriber is an asset of the subscriber and is subject to the rules of bankruptcy. 

c) An RESP can exist for as long as 35 years after the year it is established. 

d) A subscriber can only contribute to an RESP until the beneficiary reaches 21 years of age