Soledad graduated from a selective MBA program, and received a signing bonus for her first job. Her parents have told her to be really prudent with this money, and buy a whole life insurance policy that will have low annual payments based on her age. She is considering a life insurance plan that will require her to pay a premium of $2000 every year for the next 40 years. She wants to make sure that she is able to make this payment without worrying about how much she will earn each year. She wants to put away a lump sum today in her bank to cover all future payments. How much would she need to deposit in her bank if the annual interest rate on her deposit account is 4%?