To settle a debt with interest at 12% compounded semiannually, Lim agrees to make 15 payments of RM400 at the end of each half- year and a final payment of RM292.39 six months later. What is the debt? Select one: o a. RM4627.67 b. RM4168.89 c. RM1073.72 d. RM4000.00