Erica has a retirement savings plan through her employer, Credit Suisse First Boston. Assuming that Erica earns an average rate of return of 8.25%, how much money does she need to have in her savings account, today, if she wishes to withdraw $36,000 a year for 30 years? (a) $393,388.77; (b) $405,280.20; (c) $339,752,80; (d) $354,049.89; or (e) $395,904.99