A couple have a 3-year-old child; they decided to make annual deposits into a savings account to fund his 4-year university education. With the first deposit being made on his fourth birthday and the last deposit being made on his 15th birthday. Then, starting on his 18th birthday, 4 withdrawals are required, starting at $3000 and increasing at a rate of 11%. If the effective annual interest rate is 6% during the whole period of time, what are the annual deposits in years 4 through 15?draw the cash flow diagram.