Let's say Luke inherited $13,000 dollars from an uncle when he was 8 years old and it was deposited in a stock market fund at that time. The account was turned over to him when he was 22 years old. Assume that the stock market fund increases an average of 4% a year. How much will be in the account when Luke turns 22? Round to the nearest cent.

If, when Luke turns 22, he decides to leave the money in the account to save for a down payment on a house, how old will he be when he has $35,000 in the account? Round to the nearest whole year.