Francisco believes in planning ahead. So he decides to find out how much he can draw from a retirement account each year for 30 years if he invests exactly $1000 each year in the account. Suppose that he can earn 5% on this long-term account, that he will make 40 deposits, and that he will make the first withdrawal one year after the last deposit. How big can Francisco's withdrawals be? Contributed by Paul R. McCright, University of South Florida.