Jan wants to plan for her daughter's education. Her daughter, Rachel was born today and will go to college at age 18 for four years. Tuition is currently $23,000 per year, in today's dollars. Jan anticipates tuition inflation of 6% and believes she can earn a 10% return on her investment. Calculate the NPV of Rachel's college tuition. Calculate the annual savings needed assuming Jan will be saving until the beginning of her daughter's first year of college, with the first deposit to be made at the end of this year. Calculate the annual savings needed assuming Jan will be saving until the beginning of her daughter's last year of college, with the first deposit to be made at the end of this year