c$.$ What recommendations do you have for employees with a current profile similar to Tom$$s after seeing the impact of the uncertainty in the annual salary growth rate and the annual portfolio growth rate? What should employees do to give themselves a better chance of reaching the $20-$year $$1,000,000$ goal? Use the results from the simulation model to support your recommendations.

d$.$ Assume that Tom is willing to consider working $25$ more years instead of $20$ more years. Re$-$run the model $25$ times and determine the mean and standard deviation of the $25-$year result. What is your assessment of this strategy if Tom$$s goal is still to have a portfolio worth $$1,000,000?$ Use the results from the simulation model to support your assessment.