Its the day before your grandson goes off to college. He will be in school for four years and his deadbeat parents have saved nothing for his schooling. You decide to be a noble grandmother and set up an annuity today that will pay him $3,000 at the beginning of each month for the next four years. Assume an interest rate of 4% annually. How much would you need to deposit today to fund the annuity? In other words, what is the annuity worth today. Enter the number. No decimals. No negative signs.