How much is the value of an investment fund in 20 years with the following cash flow: Year 1: Cash investment of $100,000, gaining interest at 7% for 20 years Year 5: Cash Investment of $100,000, gaining interest at 6% for 15 years Year 10: Cash Investment of $100,000, gaining interest at 5% for 10 years Year 10 to 20: Withdraw $40,000 a year for 10 years at 5% interest rate