A mortgage has an initial balance of $312,000 to be repaid in monthly installments over the next 30 years and an annualized interest rate of 3.8%. What is the payoff amount immediately following payment #219? Enter your final answer as a positive number rounded to the nearest dollar.

Your client has $887,000 in her retirement account. If she were to retire today, she would make a series of equal annual withdrawals in each of the next 21 years with the first withdrawal occurring one year from today. If her account will earn an annual interest rate of 4.6% and she plans to have no money remaining after their final withdrawal, how much could she withdraw each year under this plan? Enter your answer as a positive number, and round to the nearest dollar.