Please do not use excel. Please show work by hand.

In Mr. New's will his $100,000 life insurance benefit is invested at a yearly rate of 13%. From the fund his widow will get $15,000 each year. The first payment is immediate and continues for her lifetime. At the first payment after her death, the balance of the fund goes to charity. The widow dies 4 years and 3 months after her husband. How much does the charity receive