II. (a). A college student is 23 years old and a recent graduate. He wants to start saving for his retirement. He plans to save $2000 per year in an online stock account that pays annual return of 9.5%. If he sticks to the plan, how much money will he have at the age of 65? (make a time-line). (4 marks) (b). Suppose he starts saving for the retirement at the age of 40. If he uses the same plan above, how much money will he have at the age of 65? (2 marks) (c). What advice regarding savings will you give to the college graduate? (Analyze and interpret the findings above). (3 mark) Answer ASAP, please