You are planning on retiring in 40 years. If you deposit $200 a month in a savings account for the next 40 years, and then start withdrawing $5,000 a month, how long will it last, once you retire, before the funds are completely exhausted? Assume the account earns a quoted 5% annual interest rate (APR = 5%), compounded monthly. Select one: a. 4.54 years b. 5.88 years c. 5.67 years d. 2.39 years o e. 5.09 years