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Emily plans to deposit $10,000 per year into a retirement account earning 3%. The deposits will start one year from today (t = 1) and

Emily plans to deposit $10,000 per year into a retirement account earning 3%. The deposits will start one year from today (t = 1) and continue until 30 years from today when she retires (t = 30). After her retirement, she will make 20 annual withdrawals beginning from the next year of retirement (from t = 31 to t = 50). What is the amount of her annual withdrawal?

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