Anne-Marie and Yancy calculate their current living expenditures to be $83 comma 000 a year. During retirement they plan to take one cruise a year that will cost $5 comma 000 in today's dollars. Anne-Marie estimated that their average tax rate in retirement would be 16 percent. Yancy estimated their Social Security income to be about $27 comma 991 and their retirement benefits are approximately $38 comma 864. Use this information to answer the following questions: a. How much income, in today's dollars, will Anne-Marie and Yancy need in retirement assuming 70 percent replacement and an additional $5 comma 000 for the cruise? b. Assuming the 16 percent income tax estimate during retirement, wat is their tax-adjusted need from part a? c. Calculate their projected annual income shortfall in today's dollars. d. Determine, in dollars, the future value of the shortfall 31 years from now, assuming an inflation rate of 2 percent. e. Assuming a nominal rate of return of 9 percent and 25 years in retirement, calculate their necessary annual investment to reach their retirement goals. Click on the table icon to view the FVIF table LOADING.... Click on the table icon to view the PVIFA table LOADING.... Click on the table icon to view the FVIFA table LOADING.... a. The pre-tax amount, in today's dollars, that Anne-Marie and Yancy will need in retirement assuming 70 percent replacement and an additional $5 comma 000 for the cruise is $ nothing. (Round to the nearest cent.)