Suppose that your grandparents give you 21000 dollars today as a graduation gift, and you deposit this money into an account that will earn an effective interest rate of 7 percent. You plan to make annual withdrawals from the account for as long as you can, with the first withdrawal being one year from now. Each withdrawal will be 5175 dollars, except for the last one which will be a smaller amount. What will be the amount of this final smaller withdrawal?