Clayton transferred a balance of $4125 to a new credit card at the beginning
of the year. The card offered an introductory APR of 7.9% for the first 5
months and a standard APR of 25.7% thereafter. If the card compounds
interest monthly, which of these expressions represents Clayton's balance at
the end of the year? (Assume that Clayton will make no payments or new
purchases during the year, and ignore any possible late payment fees.)