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4. Judith has just become eligible to participate in her company's retirement plan. Her company does not match contributions, but the plan does average an

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4. Judith has just become eligible to participate in her company's retirement plan. Her company does not match contributions, but the plan does average an annual return of 12%. Judith is 40 and plans to work to age 65. If she contributes $200 per month, how much will she have in her retirement plan at retirement

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