Jennifer, age 52, is self-employed and has never made a lot of money. But, she has consistently saved $2496 per year into a traditional IRA. Over the years, she has taken full advantage of the tax law and deducted each years contribution from her tax return. If Jennifer started saving at age 24 and has earned an average annual return of 4%, how much is the account worth today?

a.$124719.

b.$12759.

c.$37638.

d.$417211.