3. You have just turned 18. Your grandmother has been putting $1,000 into a savings account every year since the day you were born. (She made the first deposit on the day you were born, t=0 on the timeline). The last deposit is on your 18th birthday. The account pays an interest rate of 5%. a. Calculate the present value of all deposits on the day you were born, immediately before the first deposit (). b. How much money is in the account on your 18th birthday, immediately after your grandmothers last deposit ()?