A person aged 30 accumulates a fund for retirement by making deposits of $200 at the beginning of each month for 15 years, followed by deposits of $100 at the beginning of each month for the next 15 years. The effective rate of interest is 0.6% per month during the first 35 years and 0.56% per month thereafter. If this person plans to make equal withdrawals at the beginning of each month for 25 years starting at the age of 65, and the value of the fund equals exactly the present value of all such future withdrawals discounted to age 65, the amount of each withdrawal will be y. If instead this person plans to use the accumulated value of the fund to make equal withdrawals every other month, and the fund to be equal exactly to the present value of all such withdrawals at age 65, the amount of each withdrawal will be z. Calculate y + z.