John deposits 15000 into a bank account that pays an effective annual interest rate of 5% for fifteen years, with interest credited at the end of each year. At the beginning of the second year he makes a second deposit 3%> greater than the previous year's deposit. If a withdrawal is made during the first 10 years, John pays a penalty of k % of the withdrawal amount. John withdraws 1000 at the end of each of years 9, 11 and 12. Find k such that John's bank account balance is 58027.14 at the end of fifteen years