Morrie wishes to save his retirement by depositing $2,500 at the beginning of each year for 30 years. Exactly one year after his last deposit, he wishes to begin making monthly level withdrawals until he has made 300 withdrawals and exhausted the savings. Assume that the effective interest rate is 5% during the first 30 years but only 3% thereafter. Find the accumulated value of all the deposits at the end of the 30 years. Let X denote the amount of the monthly withdrawal. Find X