Please provide a specific explanation for each step. NO EXCEL!!!!!! I need equations (for example: Stock account: FVA = $700 x FVIFA(11%/12,360) = $1,963,163.82 )

You are planning to save for retirement over the next 15 years. To do this, you will invest $700 a quarter in a stock account and $100 a month in a bond account. Both savings will be made at the end of each period. The return of the stock account is expected to be 12%, and the bond account will pay 6%. When you retire, you will combine your money into an account with a 7.2% return. How much can you withdraw each month from your account assuming a 25-year withdrawal period if the first withdrawal is made at the beginning of each month?