d. Suppose, instead, that the couple decides to deposit their savings into an account that earns 7% APR but that the rate of return is compounded quarterly, instead of annually. Suppose, now, that the couple will make the first deposit when their daughter is three months old (three months from now) and that they plan to increase the size of the deposit 5% each quarter. (On the daughter's 18th birthday, they will have made 72 deposits.) How much will have