Initialization of reference member requires a temporary variable C++

Question

struct Div
{
   int i;
   int j;
};   

class A
{
    public:
             A();
             Div& divs;
};

In my constructor definition, I have

Answer 1

class A
{
    Div & ref(Div div) { return div; }
    public:
       A() : divs(ref(Div())) {};
       Div& divs;
};