You have decided to start planning for your retirement by analyzing different retirement plans. The plan offered by IRA Managers requires you to deposit $5,000 at the beginning of each of the next 30 years. The retirement plan guarantees a 10 percent annual compounding rate over the 30-year time period. When you retire at the end of the thirtieth year, the interest earned on the money in the account is guaranteed to increase to a 12 percent annual rate. If you plan on making 20 equal withdrawals at the beginning of each year from the account (with the first withdrawal made at the end of the 30th year— he first year of retirement), how much can you withdraw?