You have decided that you want to be a millionaire when you retire in 45 years. If you can earn an annual return of 11.08 percent, how much do you have to invest today? Note: Do not round intermediate calculations and round your answer to 2 decimal places, e.g., 32.16. What if you can earn an annual return of 5.54 percent? Note: Do not round intermediate calculations and round your answer to 2 decimal places