Jeannie just inherited a large sum of money from a rich aunt. Jeannie wants to put money away for her retirement. She would like to retire at the age of 63 and would like to draw $3600 per month. If she can invest a lump sum at 8% interest now and will then switch it over to a 5% investment when she retires, how large of a lump sum would she need to invest now? (She is currently 28 years old.)