Future value with periodic rates. Denise has her heart set on being a millionaire. She decides that at the end of every year, she will put away $4,000 into her "I want to be a millionaire account" at her local bank. She expects to earn 6.5% annually on her account. a. How many years must Denise faithfully put away her money to succeed at becoming a millionaire? b. If Denise switches to a monthly savings plan and puts one-twelfth of the $4,000 away each month (\$333.33), how much will she have in 45 years at the 6.5% APR? c. Why is the future value under the monthly savings plan more than the $1,000,000 goal