George plans to accumulate 100000 at the end of 42 years he

Question

George plans to accumulate $100,000 at the end of 42 years. He makes the following deposits:

1. $1,000 right away

2. $X at the beginning of years 2-12

3. No deposits at the beginning of years 13-32

4. $Y at the beginning of years 33-42

The annual effective interest rate is 4%. X-Y=100. Calculate Y.