Sally wants to accumulate $11,500. She makes deposits of $500 at the end of every 6 months in a fund earning interest at j2 = 5%. It turns out that after making 18 deposits, she is still short of her goal by $506.83. What is the size of the smaller concluding deposit (drop payment) needed 6 months later in order for her to reach (or exceed) her goal of $11,500? $314.50 $185.50 No deposit is needed 6 months later $27.00 $232.00