If Harry would like to know how much to deposit at the end of each month for the next ten years so that he will have enough money saved to purchase a home in ten years time, what time value of money concept should he use for computations?

a. present value of a single sum (lump sum)

b. future value of annuity due

c. present value of an annuity ordinary annuity

d. future value of an ordinary annuity