9. John wishes to accumulate $15,000 in a trust fund at the end of 10 years. He will make 10 annual deposits of $1,000 with each annual deposit made at the beginning of the year. In order to accumulate $15,000 in the trust fund, John needs to increase each of the last 2 payments by $X. The deposits earn interest at an effective annual rate of 5%. Determine $X