$3.$ What is the future value of a $5-$year ordinary annuity with annual payments of $$194,$ evaluated at a $12$ percent interest rate? $($Do not include the dollar sign $($$$),$ and round your answer to $2$ decimal places: for example, $536\mathrm{.}34)$

$4.$ Today is Janet's $23$rd

birthday. Starting today, Janet plans to begin saving for her retirement. Her plan is to contribute $$3,000$ to a brokerage account each year on her birthday. Her first contribution will take place today. Her $42$nd and final contribution will take place on her $64$th birthday. Her aunt has decided to help Janet with her savings, which is why she gave Janet $$10,000$ today as a birthday present to help get her account started. Assume that the account has an expected annual return of $10$ percent. How much will Janet expect to have in her account on her $65$th birthday? Round your answer to a whole dollar; for example $2345.$