An amount, P, must be invested now to allow withdrawals of $1,000 per year for the next 15 years and to permit $320 to be withdrawn starting at the end of year 5 and continuing over the remainder of the 15-year period as the $320 increases by 4% per year thereafter. That is, the withdrawal at EOY 6 will be $332.80, $346.11 at EOY seven, and so forth for the remaining years. The interest rate is 12% per year. What is the P amount?