Question $3$

Cecilia and Salvador plan to send their daughter to university. To pay for this they will contribute $10$ equal yearly payments to an account bearing interest at the APR of $9\mathrm{.}5\%,$ compounded annually. Five years after their last contribution, they will begin the first of five, yearly, withdrawals of $$38,000$ to pay the university's bills. How large must their yearly contributions be$?$