How much would you need to deposit now in a savings account that earns 5% interest, compounded annually, in order to withdraw $5,100 at the end of every year for ten years? (Future Value of $1, Present Value of $1, Future Value Annuity of $1, Present Value Annuity of $1.) (Use appropriate factor from the PV tables. Round your final answer to the nearest dollar amount.)

$48,392

$51,000

$39,381

$48,272