A client's child will be attending college in 4 years. Assume current tuition and fees are $40,146, and inflation for college costs averages 2.86 percent. She can earn 5.11 percent on the money she invests for this purpose. The client wants to know how much she will need to set aside today to pay the first year's tuition and fees. what excel formula should i use for the following problem??explain in great detail