Future Value of Annuity. Twins Jessica and Joshua, both 25, graduated from college and began working in the family restaurant business. The first year, Jessica began putting $2,000 per year in an individual retirement account and contributed to it for a total of 5 years. After 5 years she made no further contributions until she retired at age 65. Joshua did not start making contributions to his individual retirement account until he was 35, but he continued making contributions of $2,000 each year until he retired at age 65. Assuming that both Jessica and Joshua receive 7% interest per year, how much will Jessica have at retirement? How much did she contribute in total? How much will Joshua have at retirement? How much did he contribute in total?