Celesta Frank Wants to Go on a Cruise in Three

Celesta Frank wants to go on a cruise in three years. She could earn 8.2 percent compounded monthly in an account if she were to deposit the money today. She needs to have $10,000 in three years. How much will she have to deposit today? (Round to the nearest dollar.)

A) $6,432
B) $7,826
C) $8,148
D) $7,763