Exercise 4 If you want to withdraw $36000 each year for 40 years, how much would you need to have saved today to fund these withdrawals? (Assume a 10% annual return.) Exercise 5 If you invest $80000, how much will it grow to after 10 years? Assume an annual rate of return is 8%. Exercise 6 You are considering investing in a project that will require an initial capital outlay of $75000 and generate annual cash flows of $8234.5 for 15 years. What is the internal rate of return (IRR) for this project? (Enter decimals for percent. For example, enter .10 for 10%.)