4. An insurance firm issues an auto policy that has annual premiums of $1,000 a year (paid at the beginning of each year). The policy has 20,000 customers and an estimate annual payout of $18,000,000 a year (paid at the end of every year). If the company invests the money from the premiums at a rate of 3.5% a year, how much will the company have in its reserves after 5 years