You are investing a principal of $ 20000 today for 3 years at a yearly interest rate of 5% compounded quarterly. Which of these changes would increase the future value of your investment?

a. Compounding interest monthly instead of quarterly

b. Investing for 2 years instead of 3 years

c. Investing $ 15000 instead of $ 20000

d. None of these changes

e. Compounding interest yearly instead of quarterly