If in a race chunnu finishes first , alib can finish on lower than __

Fact 1: Busines are suffering because of a lack of money available for development loans. 
Fact 2 : To help business,the government plans to modify the income - tax struture in order to induce individual taxpayers to put a larger portion of their income into retirement savings accounts.
Conclusion : Because as more money is deposited in such accounts, more money becomes available to borrowers.
Weakness : Do the people actually put money in their retirement accounts? This is not the right weakness as it’s mentioned in the fact section and not the conclusion (Hence is incorrect).
Right weakness : Money deposited into retiements accounts might not result is more money available to borrwers (mentioned in the conclusion).Scan through the choices which states this       –       (a) looks like the closest match.