Mr. Ayotte, 50 years old, has just won $ 1,000,000 in the lottery. He places this sum in an account whose return is 6% effective annual for the first 15 years and 8% nominal annual, capitalized quarterly for the next 15 years. He plans to withdraw a monthly amount (X) for the first 10 years, double (2X) (monthly) the following 10 years and triple (3X) (monthly) the last ten years. Calculate X. (Zero balance at end)