You Wish to Have $400,000 at the End of Twenty-fiVe

You wish to have $400,000 at the end of twenty-five years. In the last ten years, you contribute
$1,000 semi-annually at a rate of 5.8% compounded monthly. During the middle ten years, you
withdraw $750 quarterly at a rate of 4.5% compounded annually. Given this information, determine
the initial deposit that has to be made at the start of the first five years at a rate of 4% compounded
monthly.