Hyatt has 20 employees at age 45, who will retire when they become pension eligible at age 65. At this point they would have 30+ years of service and would be entitled to a pension of 2,000/month, adjusted for inflation, for the rest of their life. Assuming a 3% inflation rate, life expectancy of 80 years and a 4.5% investment rate of return, how much would the company need to put aside today in order to meet their pension obligation?