; (B) by inserting shall include the information specified in clause (ii) and after such information ; (C) by striking an Internet website and inserting a self-service tool that meets the requirements of clause (iii) ; and (D) by striking and such other and all that follows through the period and inserting or, at the option such individual, through a paper or phone disclosure (as selected by such individual and provided at no cost to such individual) that meets such requirements as the Secretary may specify.