3) Jedd just graduated from college and knows saving for the future is important. Jedd plans to save $10,000 a year for retirement for the next 40 years. But being fearful of the stock market and risk Jedd puts his money into certificates of deposit that pay 2.5% interest per year. Alice also just graduated from college and saves $8,000 per year for the next 38 years. Alice is a much more aggressive investor. Knowing that retirement is a long way off she puts all her money into a diversified stock portfolio that will earn 8.5% per year. Calculate the future values of Jedd's and Alice's retirement accounts. How has more money? Why