A bank is offering you an investment opportunity for your retirement whereby you commit to invest $1,000 at the end of each month for the next 20 years. Half of each amount is invested in bonds and 50% in stocks. The expected nominal annual return is 3% for the bonds and 7% for the stocks. The bank's management fees for this investment product are equal to 5% of each $1,000 monthly investment. a) What will be the $ value (to the nearest cent) of your investment in bonds at maturity, i.e., 20 years from today, after the fees are paid and assuming that the bonds perform as predicted? b) What will be the $ value (to the nearest cent) of your investment in stocks at maturity, i.e., 20 years from today, after the fees are paid and assuming that the stocks perform as predicted? c) What will be the true return on your entire investment over the whole 20-year period, expressed as an Effective Annual Rate (EAR), assuming that bonds and stocks perform as predicted? (the EAR should contain 2 decimals)