14. When investing, it is important to keep your hands off the savings until many, many years down the road. One big area contributing to the 2006-2008 financial disaster was people who overspent, undersaved and had no cash reserves when it all hit the fan. What is the future value of $750 invested monthly at 6.5% for 10 years if you stop saving and spend it all. Yes, you should have saved it for later, but you got tempted and pulled it out of savings...terrible! 15. Suppose you have a bacterial infection in your lungs in which there are currently 500,000 of those nasty little rascals doing damage. If they grow according to your natural exponential growth model, answer the following. a. What is the growth model if they are replicating at a daily rate of 10%? b. What is the rate of growth of bacteria in your lungs on day 20 (use your derivative)?