Allen needs to accumulate $100,000 for setting up a mortgage. To do so, Allen plans to make deposit of $10,500 per year, with the first payment being made a year from today, in a bank account which pays 12% annual interest compounded annually. Allen’s last deposit will be less than $10,500 if less is needed to round out to $100,000. How many years will it take Allen to reach the $100,000 goal, and how large will the last deposit be?