You want to start funding your retirement. You plan to do this by making 40 semi-annual deposits of $5,000 beginning today, your 30th birthday. After that you do not plan to save any more. You expect to earn an APR of 12% compounded monthly from now until you retire. You plan to retire on your 65th birthday, and live until you are almost 85 (dying the day before your 85th birthday). Your first monthly withdrawal is on your 65th birthday (and the last withdrawal is the month before you are 85). After retirement you expect to earn an effective annual rate (EAR) of 9%. How much can you with draw each month?