Please help with this problem,

The insurance division of a company has existing customers who will pay insurance premiums of $22 million a year for the next 10 years. The first premium will be received by the company one year from today. The company expects to make insurance payments to some customers. The insurance payment is expected to be $18 million each year for the next 2 years. The insurance payments are then expected to decline by 14% a year after that. However, the insurance payments do not stop in 10 years; they continue in perpetuity (declining every year by 14%).

Determine the change in the share price of the company if the interest rate changes from 10% per annum to 8% per annum. Assume that the cash flows (insurance premiums and payments) do not change as a result of the interest rate change. Other businesses and assets of the company are unaffected by the interest rate change. Ignore taxes. The company has 2 million shares.

Sami is currently saving for her retirement and for her child's education. She will save $8,000 per year for the next 15 years, with the first saving one year from today. By then her child's college education will be over. She will then be able to save more. She will save $12,000 per year for the next 14 years and retire at the time of last saving. After retirement she will withdraw an amount from her savings each year for the next 25 years. The first withdrawal will be exactly one year after retirement. The interest rate is 8% per year. What is the maximum amount Sami can withdraw each year for the 25 years after her retirement.