$2\mathrm{.}32$Ms$.$ Frank is planning for a $25-$year retirement period and wishes to withdraw a portion of her savings at the end of each year. She plans to withdraw $$10000$ at the end of the first year, and then to increase the amount of the withdrawal by $$1000$ each year, to offset inflation. How much money should she have in her savings account at the start of the retirement period, if the bank pays $($a$)9\%,($b$)71/2\%,$ per year, compounded annually?