An engineering graduate starts a new job at $60,000 per year. Her investments are deposited at the end of the year into a mutual fund that earns a nominal interest rate of 3% per year with semiannual compounding. How much money will be in the account immediately after she makes the last deposit?
A) She makes $6,000 annual deposits for the next 40 years.
B) She makes the $6,000 deposits for 10 years, the stops all investments for the next 10 years, and then resumes deposits of $10,000 per year for the next 20 years.