John Brown lived in a family that always used the phrase “a penny for your thoughts?” John works at a company with 400 employees (not including himself) and is known for his humorous editorials on current events. One day, John decided to start a work editorial e-mail called A Penny For My Thoughts. In the daily e-mail (he even sent them on weekends and holidays), John sent out his editorial comment for the day and simply asked that his co-workers repay him for his thoughts at the going rate of one penny per person. In other news, John is trying to save up money for a 10% down payment to buy a new $150,000 house. John banks where he can get a 10% rate of return and even daily compounding of interest. If John invests his “Penny for My Thoughts” earnings each day, how many years would it take for him to come up with his down payment?