Question: Suppose that a particularly thoughtful investor, thinking of posterity, invests the sum of $1000 on July 15, 1865. His investment returns to him or his heirs at the rate of 8% compounded daily. He stipulates in his last will and testimony that the first heir born after the value of the original investment accrues to five-million dollars may claim the accumulated money! What is the earliest date at which an ancestor may claim the 'surprise fortune'?