You have just turned thirty now and making a salary of $85,000 and you are determined to save for retirement. You have decided that you will save 10% of the salary each year into a retirement fund that is expected to yield 13% per year. Your first contribution will be at the year-end (at your 31st birthday), and your final contribution at age 69. If you expect your salary to grow at 2% per year until retirement at 70, what will be the balance of your fund at the time of retirement? please show all work as well.