5. You plan to establish a college education fund for your child. The current cost of college is $12,000 per year and you expect this to increase by 5% per year. You plan to deposit money into an account earning 10% per year at the end of each of the next 18 years. You will withdraw the amount required for college at the er of years 18-22. You want the deposit to be low initially and grow by the rate of your salary increase, which you estimate to be 3.5%, what will be the first deposit