Jenny plans to make regular savings of $800 per month for the next 10 years into an account that earns 6.4% interest per annum compounded quarterly. The first payment will be made immediately. The future value of her savings one month after the last payment is:

Select one:

a. $131,298.80

b. $133,741.65

c. $137,558.64

d. $134,451.16