4-15. Mr. Smith has saved S1,800 each year for 20 years. A year after the saving period ended, Mr. Smith withdrew S7,500 each year for a period of 5 years. In the sixth and seventh years, he only withdrew $5,000 per year. In the eighth year, he decided to withdraw the remaining money in his account. If the interest rate was 6% per year throughout the whole period, what was the amount he withdrew at the end of the eighth year? (Points: 10) 4-55. Leon and Heidi decided to invest 3,000 annually for only the first eight years of their marriage. The first payment was made at age 25. If the annual interest rate is 10%, how much accumulated interested and principal will they have at age 65? (Points: 10)