To your good fortune, your crazy aunt died and left you $200,000. She also left a fund to provide for her dogs, there are three and they have needs. You estimate the dog bill to be $1,500 month for 5 yrs. The dog boarder offers a discount rate of 6.0% APR for early payment (use to discount). Assume you prepaid for Dog care today and invested the rest of the money at 7.0% APR compounded annually (m=1) for 20 years. What is your account balance at the end of year 20?