6) I would like to save for my 3 years old son's bachelor education, the attending age for bachelor degree is 18 years old, and the bachelor study will last for four years (two semesters per year), the fees will be paid on a semiannual base at the beginning of each semester. The education costs are expected to be JD 5000 per semester. Based on my salary I can save JD 500 every month for the coming 15 years, the interest rates is 5% compound annually. Based on this plan, and on the time my son attends the university, will there be any surplus or deficit of the savings