Zach is 25 years old and received a substantial inheritance. He has chosen to invest $50,000 now for his future retirement. He will then contribute $250 at the end of every 2 weeks for the next 40 years in the same investment account as the initial $50,000. The account will earn 7.8% APR compounded bi-weekly. In 40 years he plans to invest the balance at 6% compounded monthly and then withdraw $15,000 at the end of each month for 20 years. Will he have enough money for all of this spending and if so, how much will he have leftover? (11 points)