You expect to receive $$4,000$ upon your graduation and will invest your windfall at an interest rate of $\mathrm{.}61$ percent per quarter until the account is worth $$5,425.$ How many years do you have to wait until you reach your target account value?

Multiple Choice

$12\mathrm{.}64$ years

$12\mathrm{.}53$ years

$13\mathrm{.}49$ years

$11\mathrm{.}69$ years

$10\mathrm{.}96$ years