25 na 20 X12 = 240 A February 2018 magazine article said, "If you had $85,000 in savings by age 45 and kept saving $800 a month for 20 years, you'd hit retirement with $740,000." What effective annual return was the article assuming you would be able to make on your savings account? (Assume end mode for payments.) a. 8.14 percent 0 b. 7.05 percent c. 6.56 percent 201031041 d. 7.60 percent PV = 65,000 e. 8.29 percent FV: 740,000 PMT = 800 =