Calculatingfuturevalue$)($RelatedtoCheckpoint$5\mathrm{.}2$onpage$168)$Pennyhas just turned $35$ years old and plans to retire when she turns $65.$ She wants to buy a small cottage in the Alps after retirement. She has just deposited $25,000$ in an ac$-$ count that pays $6$ percent. What amount will she get upon retirement? How much will she get if she decides to retire five years earlier, at the age of $60?$