12) Your anticipated wedding is seven years from today. You don't know who your spouse will be, but you do know the total costs of your upcoming wedding will be $65,000. You want to invest six equal amounts annually to pay for your wedding expenses. At a discount rate of 5 percent, answer the following questions: a. How much will you need to invest annually if the first payment is made one year from today? (5 points) b. How much will you need to invest annually if the first payment is made immediately ? (5 points)