Q3) You currently owe $4,050 to your credit card that charges an annual Interest rate of 21.00%. You make $171 of new charges every month and make a payment of $248 every month. What will your credit card balance be in three months? Q4) You would like to retire in 10 years. The expected rate of inflation is 02.00% per year. You currently have a standard of living that requires $8,506 of monthly expenses. Assuming you want to maintain the same standard of living in retirement, what are your monthly expenses expected to be the first year of retirement