Helen can earn 3% in her savings account. Her daughter Roberta is 11 years old today. Suppose Helen deposits $4,000 today, and one year from today she deposits another $500. Each year she increases her deposit by $500 until she makes her last deposit on Robertas 18th birthday. What is the annual equivalent of her deposits, and how much is on deposit after the 18th birthday? $1,235, $1,782 , $2,256, or $2,583?