Today is 1/7/2021, John plans to deposit $500 at the beginning of each month into an investment fund. The first deposit will be deposited today. John predicts that the return rate of this fund will be j12=5.92% from 1/7/2021 to 30/9/2021 and j12=2.32% from 1/10/2021 to 31/12/2021.

What will be balance amount of this account on 31/12/2021?

a. 3019.07

b. 3043.19

c. 3020.66

d. 3029.46