samantha plans to save $100 per month for the next 30 years to have a nest egg for retirement. Her sister, Sally, has decided to wait 15 years and start saving $200 per month for half the time figuring she will do at least as well as her sister with this strategy. They both invest in an account with an APR of 2.25%. Use Excel’s FV function to determine the balance of Sally’s account at the end of 30 years (remember that Sally did not contribute during the first 15 years and she only contributes for 15 years).