Hugh transferred a balance of $3050 to a new credit card at the beginning of
the year. The card offered an introductory APR of 6.7% for the first 4 months
and a standard APR of 32.8% thereafter. If the card compounds interest
monthly, which of these expressions represents Hugh's balance at the end of
the year? (Assume that Hugh will make no payments or new purchases
during the year, and ignore any possible late payment fees.)