Two years ago in November, Selma withdrew $20,000 from her RRSP under the Home Buyers' Plan (HBP). Assuming a normal repayment schedule, if Selma makes the minimum required HBP repayment on the latest possible date each year, what cumulative amount will Selma have repaid to her RRSP by March 1st in four years? a) $1,333 b) $3,999 C) $5,333 d) $7,333