Cecilia is 25 years old and plans to invest $3,000 each year in a retirement savings account for 40 years, starting today. If the retirement savings investment will earn 9.75% p.a. compounding annually, how much will she have in exactly 40 years from today when she turns 65 years old? Select one: a. $1,512.747.74 b. $1,220,312.04 c. $1,361,642.36 d. $1,331,414.96