A. Solve using a spreadsheet program such as Excel. Indicate the spread- sheet formula showing numeric val- ues rather than cell references. For example, for the value that $100 today could grow to in 2 years, assuming 10 percent annual compounding, the spreadsheet solution formula would be =FV (10%, 2, 0, 100). Note that since there is no annuity payment (PMT) in this problem, it is necessary to show the blank between two commas or a zero after the number of periods. In addition, answer the questions using formulas with cell references. B. Solve using a financial calculator. This is optional. 5-19. Suppose your parents have just retired and have $1,000,000 in a retirement account. For how many years can they withdraw $5,000 at the beginning of each month for expenses, assuming that the account will continue to earn a 5% annual return until it's exhausted?