The author considers the contentions made by the recent historians discussed in the passage to be _______.

A．provides several funds for employees to choose
B．is a non-governmental agency
C．pays the pension for people
D．centrally administers premium pension contributions and fund choices

A．People can transfer some money from their investment accounts to the Social Security taxes.
B．The return people earn from their accounts can decide their social benefit decisively.
C．People can spent more on investment and meanwhile receive more benefit in the future.
D．These accounts will determine how much people can receive in their lives.