You are currently 30 years old. You intend to retire at age 60, and you want to be able to receive a 20 year, $100,000 beginning of the year annuity, with the first payment to be received on your 60th birthday. You would like to save enough money over the next 15 years to achieve your objective; that is, you want to accumulate the necessary funds by your 45th birthday. A). If you expect your investments to earn 12% per year over the next 15 years and 10% per year thereafte, how much must you accumulate by the time you reach age 45? B). What equal, annual amount must you save at the end of each of the next 15 years to achieve your objective, assuming you currently have $10,000 available to meet your goals? Assume the conditions states in Section A.