Your current salary is $100,000 per year. Every year you save 10 percent of your salary and invest it in a retirement plan which provides you a guaranteed return of 6 percent per year. Assume the deposits will be made at the end of each year for the next 40 years. How much will you have at the end of 40 years if:

a) there is no growth in your salary.

b) your salary grows at 6 percent per year.