Samantha knows that she needs $22,000 for a 10% down payment on a house she can afford. she found an investment that earns 2.75% interest compounding monthly. how much should she put in the account now, rounded to the nearest dollar, to ensure she has the down payment amount in 5 years?

a.) $4,320

b.) $19,177

c.) $13,371

d.) $5,649

explain i need