You want to make it a goal to have $1 million saved for retirement at the age of 65. So today on your 30th birthday you invest $3,500. You plan to increase your annual investment amount by 3% each year, and the last investment will be made on your 64th birthday. You currently have $20,000 in your retirement account. (A)What average annual rate of return will you need to make on your investments in order to have $1,000,000 in the account on your 65th birthday? (B) Do you think that investing in certificates of deposit will get you to your goal?