Assuming you qualify for max CPP (Canada Pension Plan) and OAS (Old Age Security). You are currently 65 years old and are wondering whether you should delay or take the payments now. A- Discuss the benefits if any associated with delaying either CPP or OAS or both  B- You are married and both you and your spouse qualify for the maximum CPP benefit. What happens to the CPP benefits if one of you dies? What portion does the surviving spouse qualify to receive? C- As of 2021, at what taxable amount of income will OAS benefits begin to be clawed back? At what income level do they get fully clawed back?  D- When you turn 72 years of age your RRSP is converted into a RIF. What are forced to do at least annually going forward? Mention some of the potential consequences