3. Lisa plans to retire on her 61st birthday. On her 22d birthday, she will start saving PA per year for 40 years. Starting on her 62nd birthday, she plans on withdrawing P100,000 and will continue these annual withdrawals until the account is exhausted on her 85th birthday. If Lisa's bank account pays 3% per year, what annual amount of PA will she need to invest in her bank account to achieve her retirement goal