'You plan to deposit $10,000 today and $10,000 at the end of each year for the next 8 years into a savings account that pays 12% annual interest compounded quarterly (9 deposits, the last made at the end of year 8). At the end of year 9 you will begin making five equal annual withdrawals of $20,000 each. How much will remain in the account at the end of year 13, immediately after the last withdrawal? (Hint: You will need to manipulate the interest rate for this problem.)