A graduate plans to invest a lump sum today in an account that pays 4% APR (annual compounding). The lump sum will remain invested for exactly 10 years. The graduate wants to have $220.506 in the account at the end of the 10th year. How much should the graduate invest today? (HINT: Find PV) a $148,966 b $151,640 c $149,276 d $137,547 e $145,325