A woman currently has $150,000 in an account growing at 7% per year. She is also saving $4,000 a year and plans to do so for the next 30 years. Those funds will earn interest at the rate of 6% per year. She plans to retire in 30 years. If she deposits all of her savings at the time of retirement into an annuity paying 3% per year, and she plans to live 30 years after retirement, how much will she have to live on each year during her retirement?