Derek wants to withdraw $12,978.00 from his account 3.00 years from today and $13,101.00 from his account 10.00 years from today. He currently has $3,331.00 in the account. How much must he deposit each year for the next 10.0 years? Assume a 5.59% interest rate. His account must equal zero by year 10.0 but may be negative prior to that.