sofie strauss a 34 year old nurse decides to start a retirement plan. she figures that her income for the next 20 years will be sufficient to deposit 1,200 at the end of each quarter into her retirement plan earning 6.35% compounded quarterly. after 30 years she will let the money sit for another 12 years without making additional deposits until she is 66 years old. what amount will Sofie have when she turns 66?