Derek wants to withdraw $13,765.00 from his account 4.00 years from today and $12,280.00 from his account 12.00 years from today. He currently has $2,966.00 in the account. How much must he deposit each year for the next 12.0 years? Assume a 6.89% interest rate. His account must equal zero by year 12.0 but may be negative prior to that.