8. A student who wins a matriculation wants to save Money for his master's degree after 4 years. For this, the student must have 20,000 dollars at the end of 4 years. The annual interest rate is 14%. a) How much Money should this scholars deposit into the bank so that this student will be $ 20,000 after 4 years? b) If the student pays 4 equal amounts over 4 years, what should be the amount of each installment to accumulate $ 20,000