You purchase a Grande Latte from an unnamed coffee shop every day for $3.65. What is the future value of your coffee habit assuming the price remains constant in the future (unlikely) and that you continue such purchases for the next 35 years? Assume a discount rate of 5% (essentially, you are assuming you could earn a 5% rate of return if the funds were invested, what is the historic average return of the stock market). Describe what the solution represents in simple language