8. Toni adds $10,000 to her savings on the first day of each year. Tim adds $10,000 to his savings on the last day of each year . They both earn a 9 % rate of return . What is the difference in their savings account balances at the end of thirty years?

a. 8,363.17

b. 8,686.33

c. 9,744.35

d. 9,246.29