When you arrange to pay a retainer for a lawyer, you are actually
a. agreeing to pay the lawyer with your winnings
b. reducing the overall legal bill you will have
c. paying the lawyer in advance for work
d. making an appointment to discuss fees in the future

When you arrange to pay a retainer for a lawyer, you are actually C. PAYING THE LAWYER IN ADVANCE FOR WORK.

To have a lawyer in retainer means that you, the client, are paying the lawyer a small amount in a regular basis whether, you need his legal services at that time or not. The lawyer, in exchange, will lend his legal services whenever you need them. 

Putting a lawyer in retainer is the usual practice of small businesses which needs constant legal work but is not financially capable of hiring a full time lawyer.

Secured loans are protected by collateral security. examples: title loans where the borrower uses the car title as collateral security interest rates are lower and repayments are longer therefore risk is low as a collateral security is given as guarantee to the bank in case of failure to pay the loanunsecured loans are not protected by collateral security but it is given on the creditworthiness of the borrower, trusting that she/he will pay on time. examples; payday loans is a short term loan where the borrower lends money from the bank and pays is back when the borrower receives his/her wages.interest rates are high and repayments are shorter. but the risk is high as no collateral security is given as a guarantee to the bank for payment of the loan

To be honest, here's what i think. i think the answer is (and i'm not exactly sure), that it is, both personal and household income.