19. (5 points) Andy deposits X into an account, and then deposits 2X into the account years later, the account earns a 10% effective annual interest rate for the first 3 years, and a nominal interest rate of 5% convertible semi-annually thereafter. At the end of 6 years, the account balance is 200,000. How much interest did Andy earn during the second year? A. 5,111 B. 5,373 C. 5,613 D. 5,678 E. 5,786