Bill would like to have $2 million in his savings account when he retires in 10 years. To make this happen, he plans on depositing a single lump sum today in his account that pays him 4 percent annual interest. Which of the following will decrease the amount that he must deposit today if he is to have his desired $2 million on the day he retires? I. Retires in 5 years. II. Retires in 15 years. III. Invests in a different account paying 5 percent interest. IV. Invests in a different account paying 3 percent interest. Il only I and IV only (0) IV only (0 I only II and III only