Lynn Rogers (who just turned 30) currently earns $60,000 per year. At the end of each calendar year, she plans to invest 10% of her annual income in a tax-deferred retirement account. Lynn expects her salary to grow between 0% and 8% each year, following a discrete uniform distribution between these two rates. Based on historical market returns, she expects the tax-deferred account to return between 5% and 20% in any given year, following a continuous uniform distribution between these two rates. Use N replications of a simulation model to answer each of the following questions. (a) What is the probability that Lynn will have in excess of $1 million in this account when she turns 60 (i.e., in 30 years)? (b) If Lynn wants this probability to be over 95%, what should be her savings rate each year?