Annuity Values on Any Date Boyan is saving for her retirement. How much money will she accumulate by her 65th birthday based on the following saving patterns: Saving $20,000.00 on each birthday starting on her 55th birthday and ending on her 64th birthday (inclusive), with i = 2.7%. AV = Saving $1, 400.00 per month starting one month after her 37th birthday and ending on the day of her 52th birthday(included), with i^(12) = 3.6%. AV =