3. You have saved $130,000 in a retirement account, and you are about to retire. In order to ensure you have a regular stream of money coming in, you have decided to give the $130,000 to an investment firm in exchange for their agreement to pay you $1,000 at the end of every month. If the annual interest rate is 4.8%, for how many months does the investment firm have to make payments to you in order for this arrangement to be a good deal for you? Round your answer to the nearest whole number of months. [Hint: Is $130,000 the present or future value of an annuity? Which of the four variables are you solving?]