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12. Bob, age 35, has already accumulated $100,000 in retirement assets. He expects to retire at age 65 and live until age 90. He expects to earn 8% before retirement and 6% after retirement. If he makes no additional contributions to his account and he receives a fixed (non-increasing) monthly annuity from the account for life, what is the amount he could withdraw at the beginning of each month in retirement? a. $3,682.12 b. $6,451.13 c. $7,715.08 d. $8,212.04 Annuity in the m ot annronrinta tune of yesting schedule for a