Billy needs $3000/year for the next four years of college. She will want to have some cash for relocating when she graduates from college and thanks $5000 will be sufficient(this occurs in year 4). Her grandma will be glad to give her the money now if she can determine how much is needed today to meet that cash flow. The rate is 5% . draw timeline. Determine the type of TVM problem(s) and show your work step-by-step