45. Harry and his wife Belinda have discussed starting a family but have decided to wait for perhaps 5 years in order to get their careers off to a good start and organize their personal finances. They also know that having children is expensive. They figure that the extra expense of a child would be about $5,000 annually until high school graduation. How much money will they likely cumulatively spend on a child over 18 years assuming a 2% inflation rate? Enter