An investor deposits 10000 per year for 4 years, with the first deposit made 1 year from the present. One year after the last deposit the investor makes the first withdrawal of 10000. One year later the 2nd withdrawal is 5% smaller than the first payment withdrawn. The 3rd withdrawal one year later is 5% less than the 2nd withdrawal. there are a total of 15 annual withdrawals each being 5% less than the previous. A. Calculate the effective annual IRR being earned on the investment. B. If the dollars invested and withdrawn from part a are in actual dollars and the inflation rate for the 19 year time span of the investment is 9% per year, what is the inflation free IRR earned on this investment?