Had Jason taken advantage of the company’s voluntary retirement plan up to the maximum, every year for the past five years, how much money would he currently have accumulated in his retirement account, assuming monthly deposits and a nominal rate of return of 7%? How much more would his investment value have been had he opted for a higher risk alternative (i.e. 100% in common stocks), which was expected to yield an average compound rate of return of 12% (A.P.R)?