A worker age 40 wishes to accumulate a fund for retirement by making deposits of $1000 at the beginning of each year for 25 years. Starting at age 65 the worker retires, and plans to make annual withdrawals of x at the beginning of each year, for 10 years, at which point the fund will be depleted. Assuming that all payments are certain to be made, find the amount of each withdrawal starting at age 65 to the nearest dollar, if the effective rate of interest is 8% for the first 25 years and 7% thereafter. X=