the account offers 4% APR (nominal annual rate, compounded monthly) for the first 8 years, and then 2% APR (nominal annual rate, compounded monthly) thereafter. You want to deposit $800 at the end of each month for the first 4 years. Then, you start withdrawing $Y at the end of each month for the next 6 years. If the balance in your account is $8,000 at the end of 10 years, find the value of the periodic withdrawals (\$Y)