Piyush has recently inherited 20 million INR (Indian rupees) from his late uncle Scrooge. To keep Piyush from spending his money immediately, Scrooge made arrangements for the inheritance to be deposited at the time of his death into an account paying 5 percent. Further arrangements instructed the bank to pay Piyush 2 million INR at the end of year 1, 2 million + X INR at the end of year 2, 2 million + 2X INR at the end of the year 3, 2 million + 3X INR at the end of year 4, and so on for a period of 10 years, just depleting the fund after the tenth payment.

a. What is the value of X?

b. How much is in the fund immediately after the fifth withdrawal?