(1 point) (Exercise 3.9) A worker aged 31 wishes to accumulate a fund for retirement by depositing $3000 at the beginning of each year for 34 years. Starting at age 65 the worker plans to make 15 annual withdrawals at the beginning of each year. Assuming that all payments are certain to be made, find the amount of each withdrawal starting at age 65 to the nearest dollar, if the effective rate of interest is 9% during the first 34 years but only 7% thereafter. ANSWER =$