There are three retirement plans under development. Each plan has a 6% compounded monthly and you cannot take a withdrawal until year 20. One plan requires a payment of X/year for the next 10 years. The other requires a payment of Y each year from year 11 through year 15 and the third plan would require $200 each year from year 16 through 20. What value for X and Y would make all three plans equivalent at year 20?