Terry Austin is 30 years old and is saving for her retirement. She is planning on making 36 contributions to her retirement account at the end of each of the next 36 years. The first contribution will be made after one year (t = 1) and the final contribution will be made 36 years from today (t = 36). The retirement account will earn a return of 8 percent a year. If each contribution she makes is $3,000, how much will be in the retirement account 36 years from now (t = 36)?

a.	$978,688
b.	$894,380
c.	$987,118
d.	$813,073
e.	$561,306.44