5. You have landed in wealth management for Bank of America. You have been assigned two clients, Isabelle who is 30 years old and Dominique who is 25 years old. Both want to retire at the age of 55. You advise both women to put $5,000 every year into Vanguard's S&P 500 Index mutual fund beginning one year from today. You are very optimistic and estimate the mutual fund's return to be 12 percent a year. (a) How much money will Isabelle have when she retires at the age of 55 (i.e., immediately after her 25th deposit of $5,000)? (b) How much money will Dominique have when she retires at the age of 55 (i.e., immediately after her 30th deposit of $5,000)? (c) What is the learning point of this