10. (10 points) Eloise plans to accumulate $10,000 at the end of 20 years. She makes the following deposits: (i) X at the beginning of years 1-5 (ii) No deposits at the beginning of years 6-15, and (iii) Y at the beginning of years 16-20 The annual effective interest rate is 4%. If X Y = 100, calculate Y. A. 560 B. 565 C. 570 D. 575 E. None of the above