10) (10 points) After graduating from college with a degree in Criminal Justice, John starts a job as a thief. He is able to put away $650 a month into an account that offers a 6.45% annual interest rate compounded monthly. In 30 years, he'd like to retire and begin to take out equal monthly payments to himself for an additional 20 years. Assuming the same interest rate for the entire length of the investment, how much will these equal monthly payments be