A company needs to have $195,000 in 5 years, and will create a fund to insure that the $195,000 will be available. If it can earn a 6% return compounded annually, how much must the company invest in the fund today to equal the $195,000 of the end of 5 years? (py of $1. EV of $1. PVA of $1, and EVA of $1) (Use appropriate factor(s) from the tables provided.)