Which individual can make a deductible contribution to a traditional IRA in the current year?

Ray, who is married, has an AGI of $$150,000,$ and his spouse is an active participant in her employer's defined contribution plan, but he is not an active participant.

Jay, who is single, has an AGI of $$100,000,$ and is an active participant in his employer's defined benefit plan.

Faye, who is married, has an AGI of $$160,000,$ and is an active participant in her employer's defined contribution plan.

Kay, who is single and has no earned income.