a.Your friend is celebrating her 20th birthday today and wants to start saving for her anticipated retirement at age 60. She wants to be able to withdraw $360,000 from her savings account on each year for 25 years following her retirement; the first withdrawal will be on her 61th birthday. Your friend intends to invest her money in the local credit union, which offers 5 percent interest per year after retirement. Before retirement, your friend invests in stock funds, which offers (10+Y)% interest per year. Suppose your friend's parent will contribute equal amount to the account every year. In addition, your friend expects to spend $200,000 for her wedding on her 35th birthday. If she starts making these deposits on her 21th birthday, what amount must she deposit annually to be able to make the desired withdrawals at retirement?