Charles is a working father who earns low wages, and receives a refundable federal tax credit that reduces the amount of taxes he owes at tax time in April. This program is called: a. Temporary Assistance for Needy Families (TANF). b. Family Encouragement Policy (FEP). c. Living Wage. d. Cumulative Tax Policy (CTP). e. Earned Income Tax Credit (EITC).