After graduation, you plan to work for Dynamo Corporation for 12 years and then start your own business. You expect to save and deposit $8, ooo a year for the first 6 years (t=1 through t=6) and $16,000 annually for the following 6 years (t=7 through t=12). The first deposit will be made a year from today. In addition, your grandfather just gave you a $40,000 graduation gift which you will deposit immediately (t=0). If the account earns 9% compounded annually, how much will you have when you start your business 12 years from now? a. $324,529 b. $344,653 c. $333,819 d. $293,067 e. $342,904