Discuss the economic disparities among women and persons of color with regard to Social Security and private retirement funds in comparison with white males.
a) Women and persons of color generally have lower Social Security and private retirement funds compared to white males due to historical and systemic inequalities.
b) Economic disparities among women and persons of color with regard to Social Security and private retirement funds are non-existent.
c) Women and persons of color typically have higher Social Security and private retirement funds than white males due to affirmative action policies.
d) Economic disparities among women and persons of color with regard to Social Security and private retirement funds are solely due to individual choices and behaviors.