Derek wants to withdraw $12,545.00 from his account 8.00 years from today and $12,181.00 from his account 13.00 years from today. He currently has $3,221,00 in the account. How much must he deposit each year for the next 13,0 years? Assume a 6.95% interest rate. His account must equal zero by year 13.0 but may be negative prior to that