Adam is 24 years old and has a 401(k) plan through his employer, a large financial institution. His company matches 50% of his contributions up to 6% of his salary. He currently contributes the maximum amount he can. In his 401(k), he has three funds. Investment A is a large-cap index fund, which has had an average annual growth over the past ten years of 6.63%. Investment B is a mid-cap index fund with a ten-year average annual growth of 9.89%. Finally, Investment C is a small-cap index fund with a ten-year average annual growth rate of 8.55%. Fifty percent of his contribution is directed to Investment A, 25% to Investment B, and 25% to Investment C. His current salary is $48,000, and based on a compensation survey of financial institutions, he expects an average raise of 2.7% each year. Develop a spreadsheet model that predicts his retirement balance at age 65.