Tom's company offers a preretirement death benefit of 2000 for each completed year of service, payable at the end of the year of death. Tom is currently age 63, was hired at age 30, and will retire at age 65 if he survives to that age. Find the present value of this benefit given M63 =- 1000, M64 = 960, A^s = 915, iV63 = 30,000 and Ne4 = 28,000.