A、They can attend any courses for free. B、They arrange discussion groups for people. C、They learn how to communicate with others

The London Borough of Camden provides many services for elderly residents, among which are the preparation for retirement courses. These courses, lasting for ten afternoons, are run three times a year from September to June. They are basically designed for people due to retire within a few years and these students are normally released for half days by their employers, but those already in retirement are also welcome to join. The courses last about ten weeks and cost six pounds per person, normally paid by the employers, with a reduction for those already retired or receiving supplementary benefit. The courses include practical talks from specialist speakers on relevant subjects such as pensions and tax. A wide field of leisure activities is also covered and sufficient time is left for questions and discussion. There is also a senior citizens’ club held at the Merry Ward Center on weekday afternoons from one thirty to three thirty. The club arranges discussion groups and handicraft sessions including dress-making and carpentry. Membership is free and a member can attend any courses held there free of charge. Other services at the center include legal advice at reduced rates to those who otherwise could not afford it and free financial advice from the financial section on Monday and Wednesday between six and eight p.m. Any other personal problem can be discussed with the counselor on Tuesday and Thursday afternoons from three thirty to four.
19 What does the speaker say about the courses?
20 What kind of students can get a reduction for the course?
21 What does the speaker say about the members of senior citizens’ club?
22 What do we learn about the financial advice service in the club?