Your clients instruct you to place the inheritance, i.e., your answer for Q4a, (1,000,000) in a trust fund account at the end of their retirement horizon. If your clients run out of money during their retirement, you assume an inheritance of $1M for your analysis. The trust fund, which distributes fixed quarterly payments forever, generates an annual rate of return of 7.2%, compounded monthly. Determine (with precise explanation) the cash flows pattern of the withdrawals from the trust fund account; and calculate and explain precisely your choice of interest rate, i.e., EAR/EPR/PER (select the correct choice), used in your analysis. Also, calculate the amount of the quarterly payment. Verify your work on the trust fund withdrawals with the formula approach, and offer THREE different recommendations (other than building a larger nest egg) to your clients that could increase their likelihood of leaving an inheritance in the trust fund.