Tatyana is retiring at the end of this year. In addition to Social Security payments, she will also have accumulated $400,000 in her own retirement account. If she plans on withdrawing $50,000 every year from her account, and after 20 years (20 withdrawals) having exactly zero account balance, what is the implied interest rate she is expecting to receive in her account? Select one: a. 9.87% b. 10.93% c. 11.39% d. 4.69% e. 2.5%