Inflation can harm ______.

a. Retirees on fixed pensions

b. Borrowers who have long-term fixed interest-rate loans

c. Wage earners whose incomes grow slower than inflation

d. Either retirees on fixed pensions or wage earners whose incomes grow slower than inflation

e. Retirees on fixed pensions, borrowers who have long-term fixed interest-rate loans, or wage earners whose incomes grow slower than inflation