What scenario shows the best time to "play it safe" in investing because the law of diminishing returns is against the investor? A) You just hit a big jackpot in Las Vegas and decide to put it all back into another game to double your return. B) You are 65 and have retired from your career, and are looking at a very long and happy life of traveling and good times. C) You are five years from retirement and your friend knows a "sure" investment that will more than triple your retirement account. D) Your children are 5 and 3, and you are in middle management in your company, and you have extra money to invest for college funds.