Tom just won a lottery. he plans to create a money market certificate in a bank to prepare a down payment for a house $400,000. The down payment is 20% of the house price, and the current five-year APY is 3.25%. How much should you put in the money market certificate account to accumulate the down payment? \begin{tabular}{|l} $68,117.28 \\ $469,334.56 \\ $340,886.41 \\ $3,872.91 \end{tabular}