The Tulsa bank give you 4,000 each of the next five years, with 1st payment at the end of year 1. Kimberly will save the money earning 8% each year for 12 yrs after the last payment at end of yr 5. Calculate the accumulated sum at the end of year 25? If Kimberly wants 100,000 in end of 25th year, what is the equal amount she can withdraw in years 16 & 17 and still have 100,000 in year 25?