Judge Drago has decided to set up an educational fund for his favorite granddaughter, Emma, who will start college in one year. The judge plans to deposit an amount in a savings account that pays 9 percent interest. He wants to deposit an amount that is sufficient to permit Emma to withdraw $13,000 starting in one year and continuing each year for a total of four years. How much should he deposit today to provide Emma with a fund to pay for her college tuition?