Your need to repay a loan with a future value of RM304,071.00 in 18.5 years. If you can make annual year-end deposits of RM11,000 into an account, what annual rate of return would you require to earn enough money to pay the loan in full at the due date? Select one: a. 4.39% b. 7.92% c. 4.16% d. 8.73%