Alicia wants to accumulate $32,000 in a fund with payments of $1,300 made at the end of every six months. The interest rate is 6.82% compounded semi-annually. a. How many payments (rounded up to the next payment) will it take to accumulate this amount? 25 payments 15 payments 18 payments 19 payments b. How long will it take to accumulate this amount? 11 years and 6 months 11 years and 3 months 12 years and 6 months 9 years and 6 months