You are looking to save for retirement. You are currently 21 years old and plan to save for the next 25 years (you will start saving on your 22nd birthday and make your last deposit on your 46th birthday). On your 46th birthday, you will retire. Starting on your 47th birthday and continuing until your 76th birthday, you will make withdrawals of $40,000 per year from your account. How much do you need to deposit each year if the interest rate is 8.0% throughout the entire time? How much do you need to deposit each year if the interest rate is 6.0% throughout the entire time?