Derek wants to withdraw $13,149.00 from his account 7.00 years from today and $12,556.00 from his account 15.00 years from today. He currently has $2,480.00 in the account. How much must he deposit each year for the next 15.0 years? Assume a 5.42% interest rate. His account must equal zero by year 15.0 but may be negative prior to that.