Noime wants to determine how much money she needs to save now to have enough money to pay for her yearly summer trips. Next year, the amount of summer trip is P15.000 and is expected to increase by 10% per year each year. She wants to have five summer trips starting next year. How much money she needs to put in an account now if the bank is charging at a rate 9% compounded quarterly? DRAW THE CASH FLOW DIAGRAM