Despite his relative youth, Samuel Hunter has started planning for his retirement. At present, he has $3,000 he can invest, and he believes that he will be able to invest that amount each year for the next 39 years40 contributions in total. Round answers to the nearest whole number. a. If his investment earns 4% per year for the 40 years, how much will Samuel have accumulated at the end of 40 years? b. If Samuel delays investing for 10 years, how will that affect the balance accumulated at the end of 40 years? c. If Samuel begins investing now and finds an investment earning 5% per year for 40 years, how much more will he have accumulated than if he earns 4%?