A couple received a $108,000 inheritance the year they turned 48 and in-vested it in a fund that earns 6.5% compounded semiannually (every six months). They leave the money in the account for 12 years (until they retire), and then want to get regular payments from the account, so that all the money is paid during the next 20 years. How much will the couple receive in these regular payments?