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Your friend will retire in 15 years from today and she has saved $121,000 in her investment account for retirement. She believes she will need $37,000 at the beginning of each year for 25 years of retirement, with the first withdrawal on the day she retires. Your investment account will have an average return of 8%. What is the amount she will need to deposit at the beginning of this year and each of the following 15years?