You are planning to start your business. Your aunt will Jend you the money if you agree to pay her back within 3 years, and you offer to pay her the rate of interest that he would otherwise get by putting her money in a savings account. Based on your earnings and living expenses, you think you will be able to pay her $4,000 in one year, and then $10,000 each year for the next 2 years. If your aunt would otherwise earn 5% per year on her savings, how much can you borrow from her