1. So you can retire early, you have decided to start saving $600 a month starting one month from now. You plan to retire as soon as you can accumulate $1 million. If you can earn 5 percent on your savings, how many years will it be before you can retire? A) 41.54 years B) 41.21 years C) 40.95 years D) 40.84 years E) 40.12 years

2. James owes $3,990 on a credit card with an APR of 13.9 percent. How many months will it take him to pay off this balance if he makes monthly payments of $50? Assume he does not charge any further purchases. A) 52.18 B) 54.18 C) 56.18 D) 58.18 E) 60.18

3. Kayla's setting aside $32,000 each quarter, starting today, for the next three years for an expansion project. How much money will the firm have at the end of the three years if it can earn an average of 4.54 percent on its savings? A) $412,091.00 B) $418,012.00 C) $413,806.00 D) $413,542.00 E) $417,116.00