To prepare for early retirement, a self-employed consultant deposits $5500 into a retirement savings plan each year for 20 years, starting on her 31st birthday. When she is 51, she wishes to draw out 30 equal annual payments. What is the size of each withdrawal, if j₁ = 12% for the first 10-year period, j₁ = 10% for the next 10-year period, and j₁ = 11% for the 30-year retirement period? Ans; 38878.17