In a sorta'-bummer of a situation, you foresee multiple health-related expenditures over the next six years. Your plan is to put some money into an account today and then make periodic withdrawals to exactly cover your spending. The account offers a rate of return of 3.0%/year. You anticipate spending $9900 at t = 1 year, $10000 two years from today, $12000 in 3 years, and $7000 at t=6. In order to perfectly cover these expenditures and be left with $0 in the account after the final withdrawal, how much must you put into the account today? [To draw a timeline will be helpful in organizing your work and, in turn, identifying the right number of times to discount each cash flow.]