The Browns wish to accumulate at least $ 200,000 at the end of 20 years by contributing an amount A at the end of each year. What is the smallest A that will be sufficient to reach this goal if the annual effective interest rate is 5%. At the end of 10 years it is announced that the annual effective interest rate will drop to 4%. What should be the increase (above A) in annual payments so that they still reach their original goal of accumulating $ 200,000 at the end of 20 years?