Derek wants to withdraw $10,567.00 from his account 7.00 years from today and $12,581.00 from his account 12.00 years from today. He currently has $3,281.00 in the account. How much must he deposit each year for the next 12.0 years? Assume a 5.07% interest rate. His account must equal zero by year 12.0 but may be negative prior to that.