A consultancy job you performed for the government earned you GH200,000. You plan to deposit this amount in an account that pays interest of 10% per year compounded quarterly on January 1. The plan is to use the savings to finance a two-bedroom flat which you want to build at your own pace over a period of 5 years. Because of this, you will want to make five equal yearly withdrawal from the savings, beginning December 31 of the year the deposit was made.