How much money would be accumulated in 5 years with an initial deposit of \(\$ 10,000\) if the account earned interest at 12 percent per year for the first 3 years and at 15 percent per year for the last 2 years?

a. \(\$ 17,623\)

b. \(\$ 18,580\)

c. \(\$ 18,836\)

d. \(\$ 19,078\)