Harry's financial advisor has informed him that he will have a shortfall of R$1,400,000\mathrm{.}00$ in retirement capital when he retires in $18$ years' time. Harry wants to invest by way of annual instalments that he will make at the beginning of every year. The instalments must increase annually in line with his salary increase, which he anticipates will be $6\%$ per annum. His financial advisor advised him to invest in a fund that will grow at $9\%$ per annum.Calculate the first instalment that Harry must invest now $($the beginning of the first year$).$ Choose the closest correct option.

a$.$ R$20,685\mathrm{.}00$

b$.$ R$21,271\mathrm{.}00$

c$.$ R$20,564\mathrm{.}00$

d$.$ R$21,129\mathrm{.}00$

e$.$None of the above