Adriana wants to have a 15% down payment for a Toyota CHR, valued at $22,000, in 2 years. What expression should be used to find the regular monthly deposit Adriana should make to her savings account that pays a 3.5% annual interest rate compounded monthly, to have enough money for the down payment?

a) P=22000(1+0.035/12)¹²×²

b) P=22000(1+0.035)¹²×²

c) P=22000(1+0.035/12)²

d) P=22000(1+0.035)²