Today is your neighbor's 30th birthday. She opens a new investment account assumed to earn 10% per year. She wishes to make equal, annual deposits starting today and ending on her 60th birthday such that on her 61st birthday she can withdraw $100,000 and can continue to do so on each birthday until a final $100,000 withdrawal (which will deplete her account) on her 95th birthday. What is the annual deposit she needs to make?