The Albedo of the Earth's Surface Is About 4 Percent

The albedo of the Earth's surface is about 4 percent, yet the combined albedo of the Earth and the atmosphere is about 30 percent. Which of the following conditions BEST explains why this is the case?

A) low albedo of clouds, low albedo of water
B) high albedo of clouds, low albedo of water
C) low albedo of clouds, high albedo of water
D) high albedo of clouds, high albedo of water