Question 13 (CLASSWORK) Your insurance agent has contacted you to introduce a 20 year savings plan. For the first 15 years, returns are projected at 4% per annum, and you are required to deposit $2,000 at the beginning of each year. No additional amount need to be deposited after the 15 th payment. The amount accumulated at the end of the 15 years will continue to be placed with the insurance company earning 5% per annum for the next 5 years. Calculate how much you can receive at the end of 20 years