Mrs. Jane is saving up for her retirement by depositing $238 into a savings account at the end of every month. If rates are expected to be 6.6% compounded semi-annually for the entire question, how large will her END of quarter payments be (after retirement) if she needs them for 19 years?

(a) How much does she have in 12 years?

(b) How large are the quarterly payments she can take out after retirement?