Which factor would motivate one employee to choose the Defined Contribution Plan over the Defined Benefit Plan?

	a.	Defined Benefit Plan has a longer vesting period.
	b.	The salary will increase by 5% per year, instead of the original assumption of 3%.
	c.	The discounted value in year 2060 of all annual payments is larger for Defined Benefit Plan.
	d.	Defined Benefit Plan is likely to change its pension formula to 1.75% * years of service * salary at retirement.
	e.	Defined Benefit Plan shifts the risk of running out of funds because of longevity to the state.