4. Mia wants to save up for a down payment on a house that costs $200,000. She plans to buy the house in 5 years. Mia currently has $20,000 saved up and wants your advice on how to proceed. Mia can invest her money in a financial instrument that offers 6% annual interest compounded quarterly, half-yearly and monthly. Give Mia three options to achieve her goal using the Time Value of Money concept and the given interest rate offered by the financial instrument