Every Leap Year You Get a Bonus of $20 000

Multiple Choice

Every leap year you get a bonus of $20 000, which you put into a retirement account at 5% interest. If your first payment into the account is made in four years time, and you put no other money into the account, how long will it be before you can retire with a million dollars?

A) 36
B) 40
C) 44
D) 48
E) 52