Assume your goal is to have $$2\mathrm{.}5$ million in your retirement account on the day you retire. To fund this goal, you will make one lump$-$sum deposit today. If you plan to retire $\_\_\_\_\_\_\_\_\_$blank rather than $\_\_\_\_\_\_\_\_\_$blank, and you earn a $\_\_\_\_\_\_\_\_\_$blank rather than $\_\_\_\_\_\_\_\_\_$blank rate of interest, then you can deposit a smaller lump$-$sum today.