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You are helping your friend plan for her retirement. Your friends company has a new pension plan that will deposit $100 at the end of each month into her retirement fund (the first deposit will be made one month from today). She plans to retire exactly 25 years from today, and estimates that she will need $3,000 per month withdrawn at the beginning of each month for 20 years. If interest rates are 12 percent per year, compounded quarterly, how much must she deposit into her retirement fund at the end of each month (in equal amounts per month) over the next 25 years, in addition to the $100 deposited by the company, in order to meet her objective?