Cynthia currently has $185,000 in her RRSP. She will make no further contributions, but will allow this fund to accumulate interest at 6% compounded semiannually for the next 10 years. At that point, she will purchase an annuity that will pay end-of-month payments for 20 years. If the funds in the annuity earn 6% compounded monthly, how much will the annuity payments be?