In 2009 Stanley made hip withdrawal that total $18,000 in what year must Stanley begin making payments and what is the latest date by which he can make his first repayment? 

Repayments must begin in 2010 with the latest date being December 31, 2010 repayments must begin in 2011 with the latest date being 60-days after the end of 2011 repayments must begin in 2011 with the latest date being December 31,2011 repayments must begin in 2010 with the latest date being 60-days after the end of 2010.

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