Find the lump sum that one must invest in an annuity in order to receive $2000 at the end of each month for the next 10 years, if the annuity pays 10%, compounded monthly. A company wants to have $40,000 at the beginning of each 6-month period for the next four and half years. If an annuity is set up for this purpose, how much must be invested now if the annuity earns 6.68%, compounded semiannually? (15 points)