L5,000. What was the aniial rate or in- crease for the insurance? 9: 7 A smart engineer started saving for her retirement 10 She saved $12,000 each year through the present time. If she has invested in a stock fund that averaged a 15% rate of return over that period, and she expects to make the same annual investment and get the same performance in the future, how long will it be before she has $1,000,000 in her retire- ment fund? years ago. 0