Personal finance decisions and emphases a. depend on variables measuring the economy, such as real GDP and inflation. b. don't occur until one gets married. O c. end when one becomes retired. d. are the same throughout one's adult life. e. don't consider the planning of asset transfer upon death. Suppose that you receive a present of $10,000 for graduation. If you invest it in a fund that pays 8% interest, then 20 years later how much will you have (use the appropriate Appendix table) O a. ($10,000)x(4.661) O b. ($10,000)/(4.661) c. ($10,000)x(45.762) O d. ($10,000)/(45.762) O e. ($10,000)x(9.818)