Albert Einstein is quoted as saying the most powerful force in the universe is compound interest. Benjamin Franklin demonstrated this by investing money in 1790 for the benefit of two cities, Boston and Philadelphia. He instructed the trustees to let the money compound for 200 years, when at that time they could distribute the accumulated sum to the cities. Research the details of this case and report on the results of his effort. Also, assume you start working at 20 years old and plan to retire at age 50. You contribute $125 per month to your retirement plan and the company matches it. If you could earn 12.6% annual return over the 30 years, how much money would you have when you retire? Suppose you worked until you were 60, then how much would you have when you retire (make sure you adjust the formula for monthly compounding)? Calculate and comment on your findings. Include the FV of an annuity formula in your discussion.