Sam refuses to retire until his retirement account has a balance of at least $$300,000.$ Sam won't make any more deposits in the account. The account currently has a balance of $$200,000$ and eams $5\mathrm{.}9\%$ per year, compounded semi$-$annually. If you want to figure out how long does Sam has before he will retire what would you put in for the interest rate?

$2\mathrm{.}95\%$

$5\mathrm{.}95\%$

$11\mathrm{.}89\%$

$20\mathrm{.}89\%$