Risha explained to her financial planner, "I don't believe in funding my children's education because I believe that by paying for their own education, they will work harder." Should Risha's financial planner present her recommendations related to contributing to an RESP, including the fact that contributions will earn a 20% CESG and could save Risha's children money?

a. No, because Risha is in the pre-contemplation stage of change.
b. Yes, because Risha is in the contemplation stage of change.
c. Yes, because Risha is in the pre-contemplation stage of change.
d. No, because Risha is in the contemplation stage of change.