Ricardo is a 30-year-old pack-and -a-half per day smoker who pays $10.49 per pack of cigarettes. Observing an uncle suffering from emphysema, he decides to stop smoking. To help motive and reward himself, he decides to put the cost of cigarettes into an annuity until he is 65. Assuming an annuity with an interest rate of 5.1% compounded monthly and investing the cost of 45 packs each month. a) Find the future value when Ricardo is 65 b) Find the amount he can withdraw from his annuity each month for 15 years after he retires.