13. (10 Points) An investor wishes to accumulate $10,000 at the end of 10 years by making level deposits at the beginning of each year. The deposits earn 12% annual effective rate of interest paid at the end of each year. The interest is immediately reinvested at an annual effective interest rate of 8%. Calculate the level deposits. (a) 541 (b) 572 (c) 598 (d) 615 (e) 621