You wish to have $$400,000$ at the end of twenty$-$five years. In the last ten years, you contribute $$1,000$ semi$-$annually at a rate of $5\mathrm{.}8\%$ compounded monthly. During the middle ten years, you withdraw $$750$ quarterly at a rate of $4\mathrm{.}5\%$ compounded annually. Given this information, determine the initial deposit that has to be made at the start of the first five years at a rate of $4\%$ compounded monthly.

A$.$ $$115,150\mathrm{.}00$

B$.$ $$120,150\mathrm{.}00$

C$.$ $$125,150\mathrm{.}00$

D$.$ $$130,150\mathrm{.}00$

E$.$ $$135,150\mathrm{.}00$

I know the answer is D$,$ but Anybody can explain it for me$?$