Wilbur is a college student who desires to establish a long-term Roth IRA account with $4,000 that his grandmother gifted to him. He intends to invest the money in a mutual fund that earns an expected 5% per year on his account (this is a very conservative estimate). The sales agent says, "There is a 5% up-front commission (payable now) on a Class A account, which every year thereafter then charges a 0.61% management fee. A Class B account has no up-front commission, but its management fee is 2.35% in year one, 0.34% in year two, and 1.37% per year thereafter." Set up a spreadsheet to determine how many years are required before the worth of the Class A account overtakes (is preferred to) the Class B account.