5) (45 Points) Financial: a) In cell D10, use an Excel function to calculate the amount that should accumulate in a retirement account based on the parameters given in cells D5:08. b) In cell D14, use an Excel function to calculate the monthly amount that could be withdrawn from the retirement account for an estimated 30-year retirement period. Assume that the rate of return remains constant and that the account is drawn down to zero over the retirement period. c) In cell D25, use an Excel function to calculate the present value of the proposed lottery annual payment offer. Present your answer as a positive number. d) In cell D26, use an IF function to indicate YES if the annual payments are the better option, and NO if they are not Retirement savings planner 40 Years to retirement Estimated rate of return Annual contribution Present account value 3.0% (12,000) (15,500) Accumulated value Years of retirement Monthly amount available Lottery winnings decision- lump sum or annual payments 35,000,000 22,658,741 $ Amount won Lump sum offered Number of payments Offered annual payments Estimated rate of return 20 1,750,000 4.0% Present value of annual payments Take the annual payments