Lisa and Mark married at age 20. Each year until their 30th birthdays, they put $3,400 into their IRAs. By age 30, they had bought a home and started a family. Although they continued to make contributions to their employer-sponsored retirement plans, they made no more contributions to their IRAs. If they receive an average annual return of 4%, how much will they have in their IRAs by age 65? What was their total investment? If they receive an average annual return of 4%, the amount they will have in their IRAs by age 65 is $__??