please answer fast, will upvote!

35 Emma has lived with her grandmother, Victoria, since Emma's parents were killed in a car accident. This year, Emma's grandmother died. Emma is 16 years of age, attends high school and earns $6,000 per year from a part-time job. Victoria named Emma as the beneficiary of her RRIF in her will. What statement is true? O a) Emma can transfer the designated benefit from Victoria's RRIF into a term annuity in her own name on a tax-deferred basis. Ob) Emma can transfer the designated benefit from Victoria's RRIF into an RRSP in her own name on a tax-deferred basis Oc) Emma cannot transfer the designated benefit from Victoria's RRIF into a term annuity in her own name on a tax-deferred basis because she earns an income. d) The designated benefit from Victoria's RRIF cannot be transfered to Emma because she is not a spouse, common-law partner or child of Victoria