Lerato plans to buy a car in five and a half years' time. He wants to spend R160 000 on the vehicle. At the moment he has two saving accounts. In the first account he has R30 000. He has nothing in the second account but plans to make quarterly deposits into this account. At the end of the five and a half year period, the sum of the future values of the two accounts has to be R160 000. His first savings account earns interest at a rate of 11% per year compounded half-yearly. What amount does Lerato need to have saved in his second account in five and a half years' time? (Hint: First calculate the future value of the R30 000 in the first account after five and half years' time.)