Sarah wants to accumulate $39,000 in a fund with payments of $1,600 made at the end of every six months. The interest rate is 5.71% compounded semi-annually. a. How many payments (rounded up to the next payment) will it take to accumulate this amount? 25 payments 16 payments 18 payments 19 payments b. How long will it take to accumulate this amount? 11 years and 6 months 12 years and 4 months 12 years and 6 months 9 years and 6 months