Mora and her husband Charlie retired $5$ years ago. They have been travelling the world and have not paid too much attention to their investments. Last year when they returned from their last trip, Mora converted her Registered Retirement Savings Plan $($RRSP$)$ to a Registered Retirement Income Fund $($RRIF$)$ before December $31,2023,$ as she turned $71$ that November. The Fair Market Value $($FMV$)$ of her RRIF on January $1,2024,$ was $$589,100.$ Mora knows that her spouse's age is important in the RRIF calculation; Charlie will turn $66$ on May $15,2024.$ The Fair Market Value $($FMV$)$ of Charlie's Registered Retirement Savings Plan $($RRSP$)$ on January $1,2024,$ is $$469,320.$ What is the minimum amount Mora must withdraw from her RRIF amount in $2024,$ taking advantage of Charlie's age?

Age RRIF Factors

$654\mathrm{.}00\%$

$664\mathrm{.}17\%$

$674\mathrm{.}35\%$

$684\mathrm{.}55\%$

$694\mathrm{.}76\%$

$705\mathrm{.}00\%$

$715\mathrm{.}28\%$

$725\mathrm{.}40\%$

$735\mathrm{.}53\%$

$745\mathrm{.}67\%$

Select one:

a$.$

$$23,564$

b$.$

$$18,773$

c$.$

$$31,104$

d$.$

$$24,565$

e$.$

$$20,415$