Elena has decided to start saving for retirement. She just recently opened a retirement account but has nothing saved yet. Elena believes that she can begin saving $8,900 at the end of each year for the foreseeable future. Elena anticipates that the account will earn returns of 9% each year. If she makes the first deposit into her account one year from today (T=1) and continues making annual deposits of $8,900 each year thereafter, how long will it be until her account has grown to $120,000? The number of years it will take for Elena's account to grow to $120,000 is CLOSEST to which of the following? (please select the answer from the options below that is CLOSEST to your calculated number of years) A. 11.2 years B. 12.2 years C. 8.2 years D. 7.2 years E. 9.2 years F. 10.2 years