Angie belongs to a defined benefit pension plan, where benefits are based on the average earnings over the final 3 years. Angie currently earns $36 , 000 and she expects that her earnings will increase by 4% at the beginning of each year. If she retires in 15 years, what will be her average final pensionable earnings? a) $59 , 943 b) $62 , 340 c) $62 , 372 d) $64 , 834