a$.$ If you open an IRA and invest $$3,000$ a year $($at the end of the year$),$ how much will be in the account when you retire after twenty$-$five years if the funds earn $5$ percent annually? b$.$ Assume in the year after you retire, you draw $$7,000,$ capital gains tax rate is $15\%,$ ordinary income tax rates are $25\%,$ how much tax do you owe on the $$7,000?($Please label your answers a & b$).$