Jeff and Susan Johnson have a daughter, Molly, just entering high school, and theyve started to think about sending her to college. They expect to need about $100,000 in cash when she starts. Although the Johnsons have a good income, they live extravagantly and have little or no savings. Susan analyzed the family budget and decided they could realistically put away $1,500 a month or $4,500 per quarter toward Mollys schooling. Theyre now searching for an investment vehicle that will provide a return sufficient to grow these savings into $100,000 in four years. If quarterly compounding is assumed, how large a return (interest rate) do the Johnsons have to get to achieve their goal? Is it realistic?