You are planning to save for retirement over the next 30 years. To do this, you will invest $10,000 each year into a stock account, the return of which is expected to be 10 percent (compounded annually). a) When you retire, you will invest your money into an account with a 5 percent return (compounded annually) and will withdraw $500,000 every year from the account. For how long can you withdraw money from the account? (5%) b) If you invest $10,000 in Year 1 and increase your saving by 5 percent per year, how much money will you have when you retire? The expected return is still 10 percent (compounded annually). (5%)