From the graph, read the balance in November.<br><br>
If November balance > $3000: Percentage exceeded = ((Balance - 3000) / 3000) × 100%.<br>
If November balance < $3000: Percentage shortfall = ((3000 - Balance) / 3000) × 100%.<br><br>
Fixed monthly deposit needed = 3000 / 11 months (January through November).<br><br>
Final Answer: Read November balance from the graph and compute.