Maddie is going to save for retirement. She wants to have $400,000 when she retires. She plans to make monthly deposits for 30 years into an annuity that earns an APR of 3.9%. How much will she have to deposit each month in order to reach her goal? Round to the nearest cent. 5. Cadence is going to take out a conventional loan for $31,000 to purchase a new Toyota RAV4 Hybrid vehicle, Her bank offers a 5-year loan at an APR of 4.5%. How much will her monthly payments be? Round to the nearest cent