Commencing January 1 2022 Naomi plans to deposit $500 at the beginning of each month into an investment fund. The first deposit will be made on January 1 2022. Naomi predicts that the rate of return on this fund will be j12=4.61% from 1 January 2022 to 30 June 2022 and 12-4.8% from 1 July 2022 to 31 December 2022. If we assume these deposits are made at regular intervals, what will the balance of this account be on 31 December 2022? O a. 6156.59 O b. 6132.55 c. 6153.64 O d. 6082.88