You will need $100,000 per year for 25 years starting in year 45. You are able to save $3000 per year from year 3 to year 15, inclusive. How much must you save from years 10 through 37, inclusive, if interest rates will be 4% from years 0 through the end of year 25 and 7% starting at the beginning of year 26 and on? Solve for the unknown payments:

4% 7% 3 10 15 25 26 37 45 69 $3000/year PYMT=? $100,000/yr. for 25 years 2,400,000