please answer a and b. solving it with financial calculator is preferred

4. a. Using the human life value" method how much life insurance should you purchase if you have 45 years until retirement, an annual income of $61,500 received at the start of each year, and a time value of money of 7%? (Assume 80% income replacement, ignore taxes and inflation.) b. How much life insurance would be needed if you take into account 3% annual inflation over the next 45 years? Assume 100% income replacement and a marginal tax rate of 15%