Commencing January 1 2023 Hayley plans to deposit $500 at the beginning of each month into an investment fund. The first deposit will be made on January 1 2023. Hayley predicts that the rate of return on this fund will be j12=4.99% p.a. from 1 January 2023 to 30 June 2023 and j12=3.85% p.a. from 1 July 2023 to 31 December 2023. If we assume these deposits are made at regular intervals, what will the balance of this account be on 31 December 2023? Question 10Answer a. 6136.90 b. 6154.58 c. 6077.83 d. 6114.35