Which of the following is an example of underemployment?

Which of the following is an example of underemployment?
 
  a. Susan dropped out of high school and was never able to find a job.
  b. Jerry received a master's degree in engineering but worked as a lab technician when he couldn't find a job as an engineer.
  c. Jay worked in the accounting department of a company but couldn't get transferred to the marketing department.
  d. John received a bachelor's degree in sales and marketing and was recruited as a sales manager at a pharmaceutical company.

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________ are people forced to leave their communities because of natural disasters.
 
  a. Environmental refugees
  b. Environmental asylees
  c. Marielitos
  d. Natural evacuees