Deryl wishes to save money to provide for his retirement. Beginning one month from now, he will deposit a fixed amount into a retirement savings account that will earn 12% compounded monthly. He will make 360 such deposits. Then, one year after making his final deposit, he will withdraw $100,000 annually for 25 years. The account balance will reduce to zero when the last withdrawal is made. The fund will earn 12.68% annually during these last 25 years. How much should his monthly deposits be?