Which program requires concurrent enrollment?

Which of the following actions best exemplifies the philosophy of welfare capitalism? a. a labor union requires its members to pay into an insurance fund to support members who are hurt or fired.b. a bank provides low-interest loans to working parents who are struggling to escape poverty.c. a politician courts votes in poor communities by guaranteeing government-provided retirement benefits.d. a factory owner offers his employees paid vacations as an incentive to keep them from unionizing.edit: answer is d.