You just turned 21 today and you want to retire after your 36th birthday. Starting your 37th birthday, you want to withdraw $40,000 for the next 30 years. First withdrawal is on your 37th birthday, and last withdrawal on your 66th birthday. You want to make equal payment deposits; first deposit will start on your 22th birthday and the last deposit will be on your 36th birthday so that you can withdraw $40,000 every year during your retirement years. How much equal payment deposits should you make? Assume a 15% interest rate for the entire period.