A young couple planning ahead for their retirement has decided that $2,600,000 is the amount they will need to retire comfortably 20 years from now. For the past 5 years they have been able to invest one of their salaries ($50,000 per year, which includes employer contributions) while living off the other one. They plan to start a family sometime in the next 10 years, and when they have their first child, one of the parents will quit working, causing the savings to decrease to $15,000 per year thereafter. If they have gotten a rate of return of 10% per year on their investments and expect to continue at this ROR, is reaching their goal of $2.6 million 20 years from now sensitive to when they have their first child (i.e., between now and 10 years from now)? Use an FW analysis.