John is saving for retirement at age 65. He doesn't know if he should save in three large lumps (inheritance from his three uncles), or in equal annual amounts from his paychecks. Consider the two options below (a & b) and calculate which one will generate more savings at John's 65th year. Interest rates are 6% a) He will make 3, $25,000 deposits at ages 45, 55 and 60. b) He will make annual payments of $2,100 every year for the next 30 year. A/