How long would it take for Tommy to save an adequate amount for retirement if he deposits $40,000 per year into an account beginning one year from today that pays 12 percent per year if he wishes to have a total of $1,000,000 at retirement? Seleccione una: O A. 16.5 years O B. 15.0 years O C. 14.5 years O D. 15.5 years