39. Nathan Drake is considering borrowing $100,000 for 30 years at a compound annual interest rate of 9% p.a. The loan agreement calls for 30 equal annual payments, to be paid at the end of each of the next 30 years (payments include both principal and interest.) What is the annual payment that will fully amortize Nathans loan?

40. Cloud Strife is going to deposit $625,000 into a certificate of deposit (CD) at a 3.492% annual rate (compounded annually) with a maturity of 75 months. How much money will Cloud receive when the CD matures?