Commencing January 12022 Narelle plans to deposit $500 at the beginning of each month into an investment fund. The first deposit will be made on January 1 2022. Narelle predicts that the rate of return on this fund will be j12=5.36% from 1 January 2022 to 30 June 2022 and j12=2.11% from 1 July 2022 to 31 December 2022. If we assume these deposits are made at regular intervals, what will the balance of this account be on 31 December 2022 ? a. 6148.35 b. 6065.77 c. 6098.06 d. 6079.07.