Linds turned 22 today, and being a sharp cookie, she is planning to save $338.45 per month for retirement, with the first deposit to be made one month from today. She will invest in a mutual fund that's expected to provide a return of 8% per year. She plans to retire 40 years from today, when she turns 62, and she expects to live for 35 years after retirement, to age 97. Under these assumptions, how much can she spend each month after she retires, if during retirement her investment rate drops to 5%? Her first withdrawal will be made at the end of her first month of retirement.