You loan your friend $25,000 so she can buy her first home. The money is taken from a savings account where it was earning 5% annual compound interest. The repayment arrangement you made with your friend is $2,500 each year for the next 15 years, beginning one year from now. You plan to immediately deposit each payment back into your savings account. How much more money will you have in the bank at the end of 15 years if you make the loan than if you had kept the money in the savings account? That is, what is the difference in future value (FV) between the two options?