Henry Quincy wants to withdraw $30,800each year for13years from a fund that earns10% interest.

How much must he invest today if the first withdrawal is at year-end? How much must he invest today if the first withdrawal takes place immediately?(Round factor values to 5 decimal places, e.g. 1.25124 and final answers to 0 decimal places, e.g. 458,581.)

First withdrawal at year-end = $

First withdrawal immediately = $