Which of the following statements regarding account-based income streams is correct? Select one: a. Upon the death of the member, the pension can continue to be paid as an income stream to the members estate b. If the pension is commenced after 1 April in the financial year, no payment is required to be made until the following financial year c. The income stream can be used as security for borrowing d. Generally, there is no maximum annual payment (except for transition to retirement pensions)