Help me calculate the difference in RIS.

See highlighted Q below:

Here are my figures:

Salwid-Fin, a financial planner, has hired you to develop a spreadsheet they will use with their clients. They've noticed that many of their clients ask about the consequences of withdrawing money from their super funds well before retirement. They want a spreadsheet that demonstrates these consequences to their clients. Broadly, they'd like to show their clients a graph with seven curves on it: one, the client's current super balance, two, the amount of super the client wants to withdraw, three, the fall in client's annual retirement income stream (henceforth, RIS) in retirement, four, the target RIS the client is aiming for, five, the target capital the client requires at retirement (the lump sum required to fund the RIS), six, the annual contributions required to hit the target RIS/capital if the super withdrawal goes ahead, and seven, the annual contribution to hit the target RIS/capital if no super is taken out now. SALWID-FIN Client's age (18-64) Client's gender ( M or F ) Current super balance ($) Desired withdrawal ($) Desired annual income (RIS) (\$) CY22 Australian 10-year government bond yield Adjusted interest rate Salwid-Fin, a financial planner, has hired you to develop a spreadsheet they will use with their clients. They've noticed that many of their clients ask about the consequences of withdrawing money from their super funds well before retirement. They want a spreadsheet that demonstrates these consequences to their clients. Broadly, they'd like to show their clients a graph with seven curves on it: one, the client's current super balance, two, the amount of super the client wants to withdraw, three, the fall in client's annual retirement income stream (henceforth, RIS) in retirement, four, the target RIS the client is aiming for, five, the target capital the client requires at retirement (the lump sum required to fund the RIS), six, the annual contributions required to hit the target RIS/capital if the super withdrawal goes ahead, and seven, the annual contribution to hit the target RIS/capital if no super is taken out now. SALWID-FIN Client's age (18-64) Client's gender ( M or F ) Current super balance ($) Desired withdrawal ($) Desired annual income (RIS) (\$) CY22 Australian 10-year government bond yield Adjusted interest rate