ill has S10,000 to invest at time t 0, and two possible ways to invest it. Investment A has a force of interest equal to 0.08/(1 + 0.080 at time t. Investment B provides a 5% effective annual interest rate. Jill can invest any portion of her principal in either investment A or B, and can transfer any portion of her money between the two investments at any time. What is the maximum amount Jill can accumulate by time t = 20