Your child will go to college 10 years from now and will require $25,000 at the beginning of each year for four years. In addition, you plan to retire in 20 years and want to have $100,000 available at the beginning of each of your expected 15 years of retirement. If you currently have $25,000 that can be used to meet these obligations, how much must you invest at the end of each year for the next 20 years (if all funds earn a 10% rate of return) in order to meet your financial objectives?