Many people contribute to ROTH-variety individual retirement accounts (ROTH IRAs). The maximum allowable ROTH investment is $6,500 annually (starting 2023!). Suppose an recent college graduate is considering two options: A. Investing $6,500 at the beginning of the year from age 22 until age 31 (10 total deposits) and then ignoring the account until retirement B. Initially making no investment and then investing $6,500 at the beginning of the year from age 32 until age 64 (33 total deposits). Assuming a historic stock-market average of 7.5 percent APY: - Which investment option makes most sense? - What are the respective account balances when the investor reaches 65 years of age? - What is the principal investment in each case