You won a contest at a local business that has paid you a single $5,000. At 22, you have decided to invest these funds for 45 years until you retire. During this time your account will earn 13%, compounded annually, every year. As soon as you retire (exactly 45 years from today) you will start withdrawing retirement funds every year for an additional 33 years, but you are investing more conservatively at 8% compounded annually. How much can you withdraw each year in retirement?