The statement that best represents the power of the modern-day monster on readers is D. Readers are forced to consider the possible monstrous actions inside of themselves, like hatred or prejudice. The author states that the monster can be anywhere and everywhere, but we only see it when it springs upon us or from within us.
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A speech topic that would be appropriate for a group of retirees would be, to me, to explain that once retired from one's main employer life and one's aspirations and drive do not end there. For example, it is still possible to earn money but less strenuously and rigid than punching a clock by, for example doing freelance work on the internet. Also, now that there is more time, one can pursue his/her real interests of say, writing a book, becoming an artist or supporting progressive politics, for example.
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Well, think of how young people are today. Think of yourself even.
To be critical, young people today are quite self-invested, while they want a change in the world, they don't have the motivation to do the work to change. They have many wants, but they simply don't have the motivation or will to do it. Charity is giving to the homeless, helping the needy, or rebuilding or even just feeding someone. Charity can be for so many things. Young people are all about bettering themselves, and not others first. They will not openly give their food to a starving person on the street or give them money to go and buy their own -- they will simply walk on and not glance in their direction. So think basically, charity is giving. And young people today are essentially greedy, right? This is the key thing it wants you to talk about - go into detail.