Zhang wants to accumulate $39,000 in a fund with payments of $1,900 made at the end of every six months. The interest rate is 5.36% compounded semi-annually. a. How many payments (rounded up to the next payment) will it take to accumulate this amount? 23 payments 15 payments 16 payments 17 payments b. How long will it take to accumulate this amount? 10 years and 6 months 10 years and 4 months 11 years and 6 months 8 years and 6 months