Today, Mike and Teresa each have $550,000 in an investment account. No other contributions will be made to their investment accounts. Both have the same goal: They each want their account to reach $1 million, at which time each will retire. Mike has his money invested in risk-free securities with an expected annual return of 3%. Teresa has her money invested in a stock fund with an expected annual return of 9%. How many years after Teresa retires will Mike retire?