Find the present value PV of the annuity account necessary to fund the withdrawal given. (Assume end-of-period withdrawals and compounding at the same intervals as withdrawals. Round your answer to the nearest cent.) $400 per month for 10 years, if the account earns 5% per year and if there is to be $10,000 left in the annuity at the end of the 10 years PV = $