Derek wants to withdraw $14,199.00 from his account 6.00 years from today and $13,659.00 from his account 12.00 years from today. He currently has $3,833.00 in the account. How much must he deposit each year for the next 12.0 years? Assume a 6.38% interest rate. His account must equal zero by year 12.0 but may be negative prior to that.