You are saving up for retirement and decide to deposit 3,000 each year for the next 20 years into an account which pays a rate of interest of 8% per year. By how much (approx.) will the value of your savings vary if you make each of the 20 deposits at the beginning of the year, starting right away, rather than at the end of each of the next twenty years?

a. 9,004.13

b. 7,287.45

c. 10,982.87

d. 11,834.27