Which statement is an example of ethos?

a. if you don't start saving your money now, you won't have anything
left for your retirement and then you'll be old and struggling to
make ends meet.
o
b. saving for retirement involves careful planning. you should decide
how much to save monthly and have that money put into a savings
account automatically.
o
c. forty percent of people don't have enough money saved in their
current retirement plans to cover basic expenses when they retire.
o
d. the senator, who served two terms on the house finance
committee, recommends saving at least 10 percent of take-home
pay in a retirement fund.