Ashley, Mary's twin sister, thinks she is nuts. She has 45 years to worry about that. Then, when Ashley turned 45, she realized that her pension was not going to be enough to retire on when she is 65 and that she would have to work 10 years longer to build a pension big enough for retirement. She decides to invest her money in the same annuity that her sister has at the same interest rate. How much money will she have to invest each month to have the same amount of value as Mary when they both turn 65?