Which of the following clients would a Joint First-to-die Term-100 policy be MOST beneficial for?

a)Dabney and Valerie, who want to have insurance which covers their joint mortgage liability, due in 10 years.

b)Arnold and Ester, who want to provide each other with a fixed benefit at death and want their premiums to remain level.

c)Halston and Riviera, who want to have insurance to cover the tax liability on Halston's Registered Retirement Savings Plans which is appreciating.

d)Wade and Fiona, who want to have insurance to cover the tax liability on their second residence in Muskoka.