You are 62 and are now eligible to collect Social Security (SSI). If you retire now (Option A), then your Social Security benefit is $1,896 per month. If you retire at age 67 (Option B), then the benefit is $2,482 per month. You expect to live to age 92. Use an interest rate of 2.75% to account for the inflation adjustment of SSI benefits. Assume that benefits are collected at the end of each month. For Option A (early retirement), what is the future value of your benefits if you retire at age 62? Show work and draw a timeline. For Option B (normal retirement), what is the future value of your benefits if you retire at age 672 Define "focal date". What is the focal date in this case?