a. If Derek plans to deposit $10,474.00 into his retirement account on each birthday beginning with his 26th and the account earns 12.00%, how long will it take him to accumulate $3,633,508.00?

b. Derek decides that he needs $142,999.00 per year in retirement to cover his living expenses. Therefore, he wants to withdraw $142999.0 on each birthday from his 66th to his 88.00th. How much will he need in his retirement account on his 65th birthday? Assume a interest rate of 9.00%.