An amount P, must be invested now to allow withdrawals of $1,000 per year for the next 15 years and to permit $300 to be withdrawn starting at the end of year 6 and continuing over the remainder of the 15-year period as the $300 increases by 6% per year thereafter. That is, the withdrawal at EOY seven will be $318, $337.08 at EOY eight, and so forth for the remaining years. The interest rate is 12% per year. Find the amount P, that must be invested.