A Man is planning to retire in 20 years. He can deposit money for his retirement at 6% compounded monthly. It is estimated that the future general inflation rate will be 4% compounded annually. What deposit must be made each month until the man retires so that he can make annual withdraws of $60,000 in terms of today's dollars over the next 15 years following his retirement? (assume that his first withdrawal occurs at the(end) of the first six months after his retirement)