The multiplier function M=[1+(1t)i]n(1+i)n(1t)+t compares the growth of an Individual Retirement Account (IRA) with the growth of the same deposit in a regular savings account. The function M depends on the three variables n, i, and t. where n represents the number of years an amount is left at interest, i represents the interest rate in both types of accounts, and t represents the income tax rate. Values of M>1 indicate that the IRA grows faster than the savings account. Let M=f(n,i,t) and find the multiplier when funds are left for 20 years at 7% interest and the income tax rate is 29%. Which account grows faster? M= (Round to nearest thousandth as needed.)