You are trying to decide how much to save for retirement. Assume you plan to save $5,000 per year and will make the first deposit a year from today. You think you can earn 12% per year on your investments and you plan to retire in 40 years, immediately after your last $5,000 deposit. If you hope to live for 20 years in retirement, how much can you withdraw every year in retirement (starting one year after retirement) so that you will just exhaust your savings with the 20th withdrawal (assume your savings will continue to earn 12% in retirement)?