Bernie Madoff has an investment opportunity that promises to pay $19,500 in four years. He could earn a 5% annual return investing his money elsewhere. (FV of $1. PV of $1. FVA of $1. PVA of $1. FVAD of $1 and PVAD of $1 (Use appropriate factor(s) from the tables provided.) How much is the maximum amount he would invest in this opportunity? (Round your final answers to nearest whole dollar amount.) Amount