You are the owner of a small business and are considering starting a retirement plan for your employees. You are trying to decide what type of a plan you would like to start a defined benefit or a defined contribution. Discuss which option (DB or DC) you would choose and why. In your discussion, you should include at least three specific reasons you chose what you did, and two reasons why you may have considered going the other direction. (For instance, if you choose to start a defined benefit plan, what were the three main reasons you decided on DB, and also discuss the downside to the decision. The second part of the discussion can either be a cons of the option you chose, or a pro of the other option.)