anne purchased an annuity from an insurance company that promised to pay her $20,000 per year for the next 10 years. anne paid $145,000 for the annuity, and in exchange she will receive $200,000 over the term of the annuity. required: how much of the first $20,000 payment should anne include in gross income? note: do not round intermediate calculations. how much income will anne recognize over the term of the annuity?