Money is to be invested for a child's expenses. Annual deposits of $5,000 are made in a fund that pays 5% interest compounded annually. The child is born in 2010, and the first deposit is made on the child's 3rd birthday and the last on the child's 13th birthday. Two withdrawals of $2,000 are made on her 12th and 16th birthdays. And then four equal withdrawals of $4.000 are made on the child's 18th 19th, 20th, and 21st birthdays. Draw the cash flow diagram