Suppose you are advising a client about retirement savings. Client has $75,000 in savings now, will retire 20 years from today, and needs 25 payments of $62,000/year to begin then. How would you set up the timeline for this problem? What are the calculator keystrokes or excel formula for solving this problem? What would be a reasonable rate of return that the account can earn for the retirement problem? What annual deposit must the client make at the end of each year for 20 years to reach her goal?