Your grandmother plans to give you $4,000 every year for the next five years, the first payment beginning at the end of the first year. You plan to deposit the money in the bank paying 8% interest every year for twenty years after the last payment. What will the accumulated sum at the end of the 25th year? You would like to withdraw two equal payments in years 16 and 17. What equal amounts can you withdraw if you would like to accumulate $100,000 in year 25?