A bank account earns $5$ percent interest compounded continuously. At what $($constant$,$ continuous$)$ rate must a parent deposit money into such an account

in order to save $250000$ dollars in $12$ years for a child's college expenses?

rate $=$

$($dollars$/$year$)$

If the parent decides instead to deposit a lump sum now in order to attain the goal of $250000$ dollars in $12$ years, how much must be deposited now?

amount $=$

$($dollars$)$