number 2 and number 3 are wrong not sure what I did wrong.

Present Value of an Annuity John Joshua wants to make 5 equal annual withdrawals of $20,000 from a fund that will earn interest at 12% compounded annually. Required: How much would John have to invest on January 1, 2019, if he makes the first withdrawal on: (Click here to access the PV and FV tables to use with this problem.) Round your answers to two decimal places. 1. January 1, 2020 $ 72,095.52 2. January 1, 2019 $ 80,747 3. January 1, 2023 $ 45,818