D'Wayne wants to have $30,000 available in 12 years for a down payment on a house. His account will earn 6% compounded annually. How much money does D'Wayne need to deposit into his account today to reach his goal? (Beginning of Period) O A. $60,366 O B. $14,278 O c. $14,909 OD. $15,804 Frances invested $4,000 in her retirement account today. Her account earns an average rate of return of 8% compounded 6 time(s) per year. How much will she have in her account after 20 years? (Beginning of Period) O A. $0 B. $19,604 O c. $18,644 OD. $5,213