An ordinary annuity pays 6.48% compounded monthly. A person wants to make equal monthly deposits into the account for 15 years in order to then make equal monthly withdrawals of 1,500 for the next 20 years, reducing the balance to zero. How much should be deposited each month for the first 15 years? What is the total interest earned during this 35-year process? If the person makes monthly deposits of 1,000 for the first 15 years, how much can be withdrawn monthly for the next 20 years?