Jill invests $10000 in an account that pays an annual rate of 3.96%, compounding semi-annually. Approximately how much T does she have in her account after two years?  Choose the correct choice:
A) $ 10079.44  B) t = $ 10815.83  C) $ 12652.61  D) $ 14232.14  E) $ 20598.11

Rationale: "ps . i guess one can use simple interest to solve cause the answer choices are quite spread between you can easily arrive at something near 8 % hence b the answer"
Answer: B