Kerri plans to pay $18,500 each year and would like to prepare $1,423,000 for her retirement. Let us assume that the interest rate will be 11% and that it will compound annually. How many years will Kerri have to spend before she achieves her goal of preparing $1,423,000 for her retirement? O 22.05 years O 21.38 years 21.53 years O 20.22 years