into a tax-deferred individual retirement arrangement (IRA). The IRA will earn a return of 12% over the next 35 years. a. If Hal makes end-of-year $2,200 deposits into the IRA, how much will he have accumulated in 35 years when he turns 65 ? b. If Hal decides to wait until age 40 to begin making end-of-year $2,200 deposits into the IRA, how much will he have accumulated when he retires 25 years later? c. Using your findings in parts a and b, discuss the impact of delaying deposits into the IRA for 10 years (age 30 to age 40 ) on the amount accumulated by the end of Hal's 65 th year. of Hal's 65 th year