Derek wants to withdraw $12,729.00 from his account 5.00 years from today and $13,049.00 from his account 14.00 years from today. He currently has $2,606.00 in the account. How much must he deposit each year for the next 14.0 years? Assume a 5.83% interest rate. His account must equal zero by year 14.0 but may be negative prior to that. 2 decimal places.

Derek decides to buy a new car. The dealership offers him a choice of paying $555.00 per month for 5 years (with the first payment due next month) or paying some $28,064.00 today. He can borrow money from his bank to buy the car. What interest rate makes him indifferent between the two options? 3 decimal places.