4. You open an account and make a deposit today. You plan to make the following withdrawals from the account. The first withdrawal will occur 4 years from today (i.e., no withdrawals in years 1,2, and 3 ). The remaining withdrawals will be in years 5,6,7, and 8 from now. The annual rate of return is 7 percent for years 1 through 3 and 10 percent for years 4 through 8 . How much do you have to deposit into the account today