9. A 25-year-old student wants to save for her retirement. At the end of each year, she invests $5,000 in a stock brokerage account with an expected annual return of 7%. If she keeps saving in this manner, how much will she have accumulated at age 65? 10. If the student waited until she was 40 years old to start saving in the same manner as in #10, how much would she have at age 65? 11. How much would she need to save each year if she started saving at age 40 to accumulate the same amount at age 65 that she would have had if she had started saving at age 25