46. Mary wants to save for her daughter's college education. She would like to have $85,000 in 15 years. If Mary can earn an average of 6.0% on the investment fund, how much would she need to deposit in the account today to meet her goal? If Mary has no money to set aside now but wants to save at the end of each month for this goal, how much would she need to add to the account each month? Show all numerical calculations for the answer. (4 points)