Which retiree would be expected to have the POOREST adjustment to retirement? a. Zachary, a Ph.D. in sociology, who has been saving for retirement for the past 30 years b. Wilma, a widow who volunteers as a guide at the art museum c. Xanath, an interior decorator who has decided to move to France to attend art school at the Sorbonne d. Yoel, a widower who has worked in a minimum-wage construction job since high school graduation