3. Redesign the spreadsheet model to incorporate the random variability of the annual salaryr growth rate and the annual portfolio growth rate into a simulation model. Assume that Tom is willing to use the annual investment rate that predicted a 20-year, $1,000,000 portfolio in part 1. Show how to simulate Tom's 20-year nancial plan. Use results from the simulation model to comment on the uncertainty associated with Tom reaching the 20year, $1,000,000 goal