Delia Received a Refund of $3,100 from Her Federal and State

Delia received a refund of $3,100 from her federal and state taxes this year. She admits that she is not good at saving money. She has asked you to help her find the right savings product to help keep her money safe, to allow her to access a small amount of the money if needed without a penalty, and to earn more than a regular savings account. The best option for Delia would be to put her money in a

A) dedicated savings account.
B) certificate of deposit.
C) money market savings account.
D) mutual fund.