Using the "Human Life Value" method, how much life insurance should you purchase if you have 45 years until retirement, an annual income of $61,500 received at the start of each years, and a time value of money of 7%? (Assume 80% income replacement, ignore taxes and inflation.)

(Please note the answer is not B)

A:$836,740

B:$895,311

C:$669,392

D:$716,249