Which of the following statements is true?

a$.$ Ira's employer will withhold $$20,000$ in federal taxes from the $401(k)$ distribution.

b$.$ Ira will owe an immediate $10$ percent penalty on the $401(k)$ distribution.

c$.$ Ira will need to contribute only $$80,000$ to the IRA rollover to avoid penalties.

d$.$ Ira needs to roll over the $401(k)$ distribution to the IRA within thirty days to avoid taxes and penalties.

Had Ira and Flora decided to give the XXP stock to a charity, they should have:

A$.$ Sold the stock first and then made the donation for a deduction.

B$.$ Donated the stock first and then taken the deduction.

C$.$ Donated cash to the charity then sold the stock.

a$.$ I only

b$.$ II only

c$.$ III only

d$.$ I, II$,$ or III, because each strategy results in the same tax outcome