Which of the following statements is false?

a.) To be more conservative in planning for an individual's retirement, extend the individual's life expectancy

b.) A Monte Carlo analysis uses a random number generator to provide the advisor with an array of possible outcomes utilizing the same fact pattern

c.) A sensitivity analysis helps the advisor determine the single most effective factor in a retirement plan

d.) The capital preservation model assumes that at life expectancy the client will have exactly the same account balance as he did at retirement