44. The younger colleague of Exercise 43 is not satisfied with a 3% return, which he could get with U.S. Treasury bonds or perhaps long-term CDs. Instead, he wants to take the riskier route of investing in the stock market, which has over its history returned an APY of about 10% per year (although between October 2007 and February 2009, it lost almost half its value). Assuming that over the 35 years until his retirement the stock market behaves just that way (a big assumption!), how much would he need to invest each month to achieve his goal of $2 million by age 65?