After living in residence for a year, Jess has decided to move into an apartment for the remaining 3 years of her degree. She has found a nice apartment that will cost $1000 per month, payable at the start of each month. Rent for the first and last month must be paid in advance up front. How much money will Jess need to have in her account today to be sure she will always have enough for rent. Her bank account pays 4.5% APR with monthly compounding.