John has a meeting with you as his financial advisor. Before the meeting, he told you that he wants to have $2 million in his account by the time he retires in 40 years and wants to know how much he should be saving annually to meet his goal. a) If the nominal rate is 10% and the inflation rate is 3.8%, what is the real rate of return? b) Assuming the $2 million is in real dollars (i.e. taking inflation into account), much will you tell him he needs to deposit each year to achieve his goal?