Starting at the end of this year, you plan to make annual deposits of $6,000 for 4 years followed by annual deposits of $10,000 for the following 5 years. The deposits earn interest of 4.5%. What will the account balance be at the end of 13 years? a) $89,136 b) $92,507 c) $96,003 d) $99,628 e) $103,386