4. Today is Joan's 30th birthday. Assume that she deposits $3,200 today and $3,200 on each of her birthdays until she turns 60 (when she makes the last deposit) into an account earning 6%. She plans to withdraw equal amounts each year from the time she turns 65 until she is 80. Each withdrawal is $ . a. 27,628.98 b. 30,998.88 c. 33,900.26 (1. 36,019.03 e. 39,808.45