return objective, I want to shoot myself now!!

Curriculum V2, page 131, example 1: 1, when saying retire at 65, would that mean the last income stream happens at 65 or 64? From the question it seems the income stops at 64. The last income is paid at 65, it should compound 8 instead of 7,??? 2, Her ownership of Reston stock of 10million(current market value), if it is current market value (at the age of 58), how comes it doesn’t change value in 7 years? things like this really drive me crazy. you think this way, the answers give me the other way.