Earl E. Bird has decided to start saving for his retirement. Beginning on his twenty-first birthday, Earl plans to invest $3,000 each birthday into a saving investment earning a 5% compound annual rate of interest. He will continue this savings program for a total of 10 years and then stop making payments. But his savings will continue to compound at 5% for 35 more years, until Earl retires at age 65. How much will Earl's savings programs be worth at the retirement age of 65 ? $208,139.55 $235,094.57 $165,480.46 $442,537.30