Assume you are now 25 years old. You plan to retire when you are 65 years old. You think you will live until you are 80 years. a. If the rate of return during your working years (a.k.a. the "savings period") is 8% and you plan to save $2,000 per year, how much will you have saved up by retirement age? b. If the rate of return during your retirement is 6%, how much will you receive as an annual income during the 15 years you are retired?