Your sister turned 35 today and is putting together a retirement financial plan. She is planning to save $7,200 per year for retirement. She has $100,000 in retirement savings now. She will invest in a fund that's expected to return 7% per year. She plans to retire in 30 years, when she turns 65, and she expects to live for 25 years after retirement, to age 90. The expected return rate at retirement will lower to 5%. Under these assumptions, how much can she spend each year for the 25 years of retirement and have a 0 investment balance at the end of year 25?