Rick and Jana would like to accumulate $20,000 to take their dream vacation. They believe that they can afford to save $150 per month toward this goal. As a financial advisor, if you can invest these savings and earn an after-tax return of 5%, how long will it take Rick and Jana to accumulate the required funds? (Round to the nearest year.) A) 8 years B)11 years C)30 years D) 9years