ANSWER
$18,000
EXPLANATION
Ginny has $10,000 in a savings account.
The interest is 4% simple interest.
We want to calculate Ginny's total account balance after 20 years.
To do this, we will first caluclate the interest and then we will add it to the initial balance.
To calculate Simple Interest, we use:
P = principal = $10000
R = rate = 4%
T = time = 20 years
Therefore:
Therefore, her account balance after 20 years is:
Amount = $10000 + $8000 = $18,000