In three years Lisa Smith wants to have $80,000 for a down payment on a house. She is going to save some of her salary each year for the next three years. At the end of each year she will deposit the money into an account paying 4% interest, compounded semiannually, Because her salary is expected to increase rapidly over the next several years, she plans on saving $5,000 more in year two than in the first year and $10,000 more in the third year than in the first year. How much will she need to save this first year to achicve her goal?