To cover the cost of going around the world in 10 years, we want to save a certain amount every 6 months for 10 years in a security with a yield guarantee of 16% per annum. Although the current estimated cost is 10 million won, it is expected to rise by 8% per annum for 10 years due to inflation. Assuming that the first payment is made after 6 months, how much is the annual payment? (Annuity future value)

To cover the cost of traveling around the world in 20 years, we want to save a certain amount every month for 20 years in a 4% annual rate of return guarantee. Although the current estimated cost is 70 million won, it is expected to increase by 3% per annum for 20 years due to inflation. Assuming that the first payment is made after 1 month, how much is the monthly payment? (Annuity Future Value)