Fern has been a member of a defined contribution pension plan for the past 7 years, and both she and her employer each contribute $4,000 each year. Fern's pension fund already amounts to $70,000 and she intends to retire at the end of another 4 years. If the contributions are made at the end of the year, Fern's salary remains the same and the nominal annual investment return is 7.5%, how much will Fern be permitted to transfer into a locked in retirement account at retirement? O a) $93,483 Ob) $111,375 c) $129,266 O d) $131,950