A1 You have just made your first $5,000 contribution to your retirement account. Assuming you earn a return of 11 percent and make no additional contributions, what will your account be worth when you retire in 45 years? What if you wait 10 years before contributing? (Does this suggest an investment strategy?) Complete the following analysis. Do not hard code values in your answers. All answers should be positive values Present value Years Interest rate Future value 5,000 5,000 45 35 11% 11% 13 15 16 Sheet1 + 100%