(Future value of an annuity) Upon graduating from college 35 years ago, Dr. Nick Riviera was already planning for his retirement. Since then, he has made deposits into a retirement fund on a monthly basis in the amount of $160. Nick has just completed his final payment and is at last ready to retire. His retirement fund has earned 12 percent compounded monthly. Use five decimal places for the periodic interest rate in your calculations. a. How much has Nick accumulated in his retirement account? b. In addition to this, 10 years ago Nick received an inheritanco check for $20,000 from his beloved unde. He decided to deposit the entire amount into his retirement fund. What is his current balance in the fund