Find the unpaid balance on debt after 5 years of monthly payment on $160,000 @ 3% for 25 years.

and

The Super Prize in a contest is $10million. The prices will be paid out in equal yearly payments over the next 25 years.

If the prize money is guaranteed by AAA bonds yielding 3% and is placed into an escrow account when the contest is announced

1 year before the first payment, how much do the contest sponsors have to deposit into the escrow account?