Today is your 20^th birthday. Your parents just gave you $5,000 that you plan to use to open a stock brokerage account. Your plan is to add $500 to the account each year on your birthday. Your first $500 contribution will come one year from now on your 21^st birthday. Your 45^th and final $500 contribution will occur on your 65^th birthday. You plan to withdraw $5,000 from the account five years from now on your 25^th birthday to take a trip to Europe. You also anticipate that you will need to withdraw $10,000 from the account 10 years from now on your 30^th birthday to take a trip to Asia. You expect that the account will have an average annual return of 10.5 percent. How much money do you anticipate that you will have in the account on your 65^th birthday, following your final contribution?

a. $267,208

b. $269,080

c. $459,931

d. $505,802

e. $567,632