19. You have $10,000 to invest today for the next 40 years. You have an investment plan that will pay you 12% per year for the next 20 years and then 8% per year for the last 20 years. How much will your investment be worth in 40 years (approximately)? a) $217,245 b) $314,094 c) $452,593 d) $449,610 e) $930,510 20. You can earn 0.35% per month at your bank. If you deposit $10,000, how long must you wait until your account has grown to $20,000 (approximately)? a) 230 months b) 20 years c) 154 months d) 198 years e) 198 months**