If You Overheard a Worker Say That She Has Moved

If you overheard a worker say that she has moved up the ladder as far as she can with her current employer but may turn down an offer to move to another company because she is worried about her retirement, you can be pretty sure she is

A) on a defined benefit pension program.
B) on a defined contribution program.
C) trapped in a Ponzi scheme.
D) being exempted from Social Security.