Tom Shilling expects to have $10,000 of taxable income to commit to his retirement savings each year for the next 30 years. His investments will be made at the end of the year. His tax rate is 30% and his investments will earn 8% annually. If Tom invests in a taxable account, his annual investment is reduced by his income taxes, and his annual return on investments will also be reduced by 30%. If tom invests in a traditional IRA, he pays no taxes on the $10,000 taxable income, and his earnings compound at the pretax rate of return. However, in 30 years, all of his investment balances are subject to the 30% tax rate. A. Prepare a spreadsheet that shows the balance in the two accounts for the next 30 years. B. After taxes, what is the advantage of the IRA over a taxable account, both in dollars and as a percentage?