"Zachary has opened a retirement account that will pay 5% interest each year. He plans to deposit 10% of his annual salary into the account for 39 years before he retires. His first year's salary is $52,000, and he expects the salary to grow 4% each year. How much will be in his account after he makes the last deposit? What uniform amount can he withdraw from the account for 25 years beginning one year after his last deposit?"