Derek wants to withdraw $10,693.00 from his account 6.00 years from today and $13,355.00 from his account 15.00 years from today. He currently has $2,846.00 in the account. How much must he deposit each year for the next 15.0 years? Assume a 5.31% interest rate. His account must equal zero by year 15.0 but may be negative prior to that.