A man plans to make his son a millionaire on his 24th birthday by having accumulated $1,000,000 for him. He plans on achieving this with level deposits every 4 months, beginning on the end of the 4th month after his son's birth. The interest rate he expects is such that the account balance after the last deposit of the 16th year is half the balance after the final deposit. If the investor were to instead make quarterly deposits of the same level amount from his initial calculations, using the equivalent interest rate, on which of his son's birthday would he first be able to make him a millionaire? Select one: O A. 19 O B. 20 O C.21 O D. 22 O E 23