Kathleen Osness, aged $36,$ a massage therapist, decided to take out a limited$-$payment life policy. She chose this since she expects her income to decline in future years. Kathleen decided to take out a $20-$year payment life policy with a coverage amount of $$76,000.($Use Table $20\mathrm{.}1$ and Table $20\mathrm{.}2)($for females subtract $3$ years when using Table $20\mathrm{.}1)$

a$.$ Calculate her annual premium.

Note: Round your answer to the nearest cent.

Annual premium

b$.$ If she decides to stop paying premiums after $15$ years, what will be her cash value?

Note: Enter your answer as a whole number.

Cash value