3. Yike deposits $12,000 at the end of each year for 20 years into a retirment account earning an effective annual rate of 2.4%. At the end of year 20 , they transfer the accumulated amount to an account earning a nominal rate of 4.8% compounded monthly. They withdraw $X at the end of each month from the account for 14 years. Find the amount X that makes the withdrawals exactly funded by the deposits