Ms. Dunlap hopes to retire in 47 years. Her plan is to deposit $3,000 into a savings account at Englewood Community Bank at the beginning of each of years 1-22, and then $5,000 at the beginning of each of years 23 through 47. If she can earn a 4% average annual rate of return on the growing balance, how much money should she have by the time she retires (at the end of year 47)? O A. $501,413.11 O B. $482,127.99 O C. $323,412.39 D. $477,127.99 E. $458,776.91