Manager: This company' s supply chain will develop significant weaknesses unless we make changes to our vendor contracts now. Some will argue that this problem is so far in the future that there is no need to address it today. But that is an irresponsible approach. Just imagine if a financial planner offered the same counsel to a 30-year-old client: "Don' t worry, Jane, retirement is 35 years away; you don' t need to save anything now. " That planner would be guilty of gross malpractice. Which one of the following most accurately expresses the overall conclusion drawn in the manager's argument? ['Some people argue that the supply-chain problem is so far in the future that there is no need to address it now.', 'In planning to meet its future obligations, a company should follow the same practices that are appropriate for an individual who is planning for retirement.', 'Financial planners should advise their clients to save money for retirement only if retirement is many years away.', 'It would be irresponsible to postpone changes to the vendor contracts just because the supply chain will not develop weaknesses for a long time.']