Which of the following statements is (are) true? I. Retirement plan assets make up approximately 5% of the Grahams' total assets. II. Given their age and income prole, one would expect the Grahams to have a substantially higher level of net worth. III. The Grahams' savings ratio, including reinvested dividends and interest, is below industry benchmark levels. IV. The Grahams' emergency fund ratio is adequate at this time