Derek wants to withdraw $14,999.00 from his account 8.00 years from today and $13,090.00 from his account 13.00 years from today. He currently has $3,860.00 in the account. How much must he deposit each year for the next 13.0 years? Assume a 6.11% interest rate. His account must equal zero by year 13.0 but may be negative prior to that.