You are choosing between two investments. Investment A is a 10 year annuity that features $18,000 semi-annual payments and has interest rate of 12% compounded semi-annually. Investment B is quarterly compounded lump-sum investment with an interest rate of 8 percent also good for 10 years. How much money would you need to invest in B today for it to be worth as much as Investment A 10 years from now?