Ashley invests $9,720 in a one-month money market account paying 3.16% simple annual interest and $8,140 in a two-year CD yielding 3.23% simple annual interest. Assuming Ashley does not reinvest or renew these investments, how much money will she have when both investments reach maturity, to the nearest dollar?

Use simple interest: interest = principal × annual rate × time in years. The one-month account earns $9,720 × 0.0316 × (1/12) = $25.54, and the two-year CD earns $8,140 × 0.0323 × 2 = $525.84. Adding both principals and the interest gives $9,720 + $8,140 + $25.54 + $525.84 = $18,411.38, which rounds to $18,411. The correct choice is $18,411.

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