As a new professional employee you need to worry about your retirement many years in the future. Construct a table showing how much you need to have invested, at 4 percent, 8 percent, and 12 percent annual rate of return, to provide each $100 of monthly income. Assume that inflation will increase at 3 percent annually, so the num- bers you calculate will be in inflation-adjusted dollars. Calculate the monthly amount needed for a retirement period of 25, 30, 35, and 40 years. Assume that the investments are made in tax-sheltered accounts. and if a device lasts 20 years and has a payback of 10 years, what is the IRR?