19. Mary deposits $15000 today in a bank crediting interest at a nominal rate of 5% compounded monthly. This deposit is just sufficient to permit her to make monthly withdrawals of X for 6 years, first withdrawal today. Determine X.

20. Andrea makes deposits of $100 on the first day of each month in calendar years 2010 through 2015, inclusive, at nominal rate of 7% per annum convertible monthly. How much is in her account on 1/1/2016?