ABC Enterprises offers its long-time employee a lump sum retirement bonus. At 30 years of service the bonus equals $60,000. As an incentive to keep well-trained employees in the work force, ABC discounts the bonus at 7% per year for employees who retire early. An employee who is considering early retirement wants to have $40,000 bonus to purchase a motorhome. At how many years of service should the employee consider retirement to have the motorhome purchase fully funded? (ABCs policy is to allow retirement only on the anniversary of employment dates-one cannot retire at 20.5 years of service, for example)