Choice A is the correct answer. Use quarterly compounding.

1. Values: $P = 18000$, $r = 0.065$, $n = 4$, $t = 8$.
2. Formula: $A = 18000(1 + \frac{0.065}{4})^{32} = 18000(1.01625)^{32}$.
3. Calculate: $(1.01625)^{32} \approx 1.68457$, so $A \approx 30,322$.

💡 Strategic Tip: 8 years quarterly = $8 \times 4 = 32$ periods.

Choice B is incorrect because this assumes annual compounding. Choice C is incorrect because the calculation is wrong. Choice D is incorrect because this is too high.