Which of the following is the? Select one: Q a. a visa {permission to work for a nomitizenl is not an element of an individual's endowment because it cannot be sold 0 b. having or not having a degree does not constitute a difference in endowments if it is a matter of individual choice 0 c. endowments are facts about an individual that may affect their income 0 d. all individuals have the same reservation option irrespective of their endowments