Problems concerning Brazil's welfare state system include all of the following EXCEPT

a. workers in the informal sector cannot collect welfare as the government technically considers them employed.
b. Brazil's welfare expenditures are quite low.
c. until recently, the rural poor were not targeted by social welfare programs, essentially meaning that they were left out of the welfare system.
d. formal sector workers access the public health system for expensive procedures.
e. more people need welfare than those who contribute to it, thus forcing the government to finance the shortfall with debt.

b