10. (10 points) At the end of the 46 years of work, you'll be 68 years old and assume you have accomplished your goal of having $3m saved. You plan to travel extensively and estimate that you'll require $250,000 per year to cover all of your living and travel expenses. If you can keep your money safely invested and earning a 3% annual rate of return, how old will you be when you must die so as not to be a drag on the living? For simplicity, assume annual draws of $250,000 beginning at the end of your first year of retirement. 11. (5 points) How does your answer change if you want to leave $1m to an heir?