Ricardo is aware that he should save as much as possible early in his career while his personal responsibilities are minimal.Therefore he has adopted an aggressive savings plan - put aside $1,500 in his TFSA at the beginning of each month for a year.(He has never contributed to a TFSA and has sufficient contribution room.)Ricardo's savings are expected to earn 2% per annum, compounded semi-annually and he will make his first contribution 6 months from today.How much will he have in his TFSA in 2 years' time if no further contributions are made?

a) $18,195

b) $18,377

c) $18,407

d)$18,502