You would like to be a millionaire when you retire in 40 years, and how much you must invest today to reach that goal clearly depends on what rate of return you can earn. First, suppose you can earn 10.6\% per year, and calculate how much you would have to invest today. Second, suppose vou can only earn haif that percentage rate, and calculate how much you would hove to invest today, Divide the second by the first, to see how many times more you must invest today at haif that annual rate grow it to $1 milion over 40 vears. (Do not round the eumbers in intermediate calculations, but enter your answer rounded to 2 decimal places (for example. 2.31).)