Mike deposits $20,000 in a savings account earning a discount rate of 3.8% per annum convertible quarterly. He leaves his money in this account to accumulate for eight years, then moves it to a fund earning an interest rate of 6.6% per annum convertible monthly. Starting at time 8 when he invests in the new fund, money is withdrawn levelly and continuously at a rate of $4000 per annum. If the fund is completely exhausted after x years (starting at time 8), find x to two decimal places.