Simona Ramones, who is 60 years old, has just inherited $600,000 and decides to use the money towards her retirement. She places the money in a bank, which promises a return of 4% per year until her planned retirement at age 65. If her funds earn 4% interest compounded monthly, a) How much will she have at retirement? Please solve it set by set as in with- out the use of excel !!