A fund is built up with an initial 9,000 deposit. Then 400 dollars is deposited into the account at the end of every month. Interest is 4 percent annual. This continues for 30 years. At 30 years, it is put into an account that earns 3 percent interest, compounded continuously. If the money is then withdrawn continuously at 19,000 per year, how long does it take the fund to run out of money?