Your grandmother bought an annuity from Rock Solid Life Insurance Company for $440,000 when she retired. In exchange for the $440,000, Rock Solid will pay her $30,000 per year until she dies. The interest rate is 3%. How long must she live after the day she retired to come out ahead(that is, to get more in value than what she paidin)?

She must live at least nothing ___ years. (Round up to the nearestinteger.)