Jerry is 25 years old,he plans to retire at 65.He save 12,000 per year for next 10 years then he plans to increase his saving to 20,000 per year for the remaining 30 years.He will earn 12% on her saving during her working period and 6% during retirement . Jerry intends to withdrawal one year after he retires .

Question A : what is the amount accumulated by jerry when he retires given that the saving are ordinary annuities ?

Question B : if jerry estimates that he will survive for the following 20 years after his retirement , what would be the annual amount that he can withdrawal from the account during this period ?