5. A year ago, you deposited $40,000 into a retirement savings account at a fixed rate of 5.5 percent. Today, you could earn a fixed rate of 6.5 percent on a similar type account. However, your rate is fixed and cannot be adjusted. How much less could you have deposited last year if you could have earned a fixed rate of 6.5 percent and still have the same amount as you currently will when you retire 38 years from today? A $10,118.42 less B. $10,333.33 less C. $11.417.09 less D. $12,274.12 less E. $12.313.30 less