You plan on making deposits of $10,000 at the end of the next 20 years. Then, you will leave the money in the bank for a further 10 years at which time you will retire. At the end of each of the next 30 years following retirement (i.e. to the end of year 60), you plan to draw a retirement income from your savings totalling $30,000. Evaluating this at the end of year 30, will you have enough money in the bank to carry out this plan? Assume you can invest at 5%. Select one: a. You will have a surplus of $56,716 b. You will have a surplus of $77,436 c. You will have a deficit of $28,928 d. You will have a deficit of $56,950 e. None of the answers presented is correct What does FVIF (5,10%) evaluate at? Select one: a. 2.10 b. 0.92 c. 1.47 O d. 1.86