Your broker has given you an analysis that shows that if you start making payments on your 25th birthday and make 40 annual payments in the amount of $3,000 each, you will be a millionaire on your 65th birthday. What annual rate of return is her projection based on? (assume that you make your first payment immediately upon turning 25) In the previous problem, what annual rate of return would the analysis be based on if it assumed that you made payments at the end of each year