You are going to retire when you have $3,000,000. You plan to pay yourself $15,000 per month, and you expect to have 30 years after retirement, until you pass away. If you want to do this, what APR, compounded monthly, would you have to earn during retirement, assuming you plan to leave nothing to your heirs?

a) 0.37%

b) 4.39%

c) 9.50%

d) 10.15%

e) 36.56%