Wanting a university education for her grandson, Harman, when Harleen died, she left $20,000 for Harman, to be used for the costs of going to university. The money is invested for 5 years until the time that Harman is 18 years old and begins university. At that point, Harman will receive 4 equal annual payments. How much can Harman expect to receive every year if the money is invested at 9% compounded semi-annually? (using calculator)