Donna Somers invested $100,000 in an IVIC on April 15, 2008. The contract was to mature on April 15, 2018, and came with a 100% maturity and death-benefit guarantees. She named her daughter Martha as the beneficiary. She invested her money in a US equity fund. Due to downturn in the economy in 2008, the fund did not perform well, and the value declined to $80,000. Predictions by most economists and investment pundits were dire. She decided to withdraw the funds on January 12, 2009, when the account value was $78,000. How much did she receive as the top-up guarantee on withdrawal