Assuming an interest rate of $3\mathrm{.}72\%,$ compute how much income you will have each month if you save $$397$ each month for the next $42$ years $($and then retire$)$ and then use the accumulated money to buy an annuity of equal monthly payments for $U+2$ years $($or$,$ equivalently, an annuity for life when your life expectancy is $U+2$ more years at that time$).$u$=40$