On the day their baby is born, parents decided to establish a saving account for the child$$s college education. Any money that is put into the account will earn an interest rate of $9\%$ compounded annually. The parents will make a series of annual deposits in equal amounts on each of their child$$s birthdays from the $1$st through the $18$th$,$ so that the child can make four annual withdraws from the account in the amount of $ $60,000$ on each birthday. Assuming that the first withdrawal will be made on the child$$s $18$th birthday $,$ which of the following equations are correctly used to calculate the required annual deposit?

$($a$)$ A$=$$$60,000($F$|$A$,9\%,4)\backslash$times $($P$|$F$,9\%,21)($A$|$P$,9\%,18)($b$)$ A$=[$$$60,000($P$|$A$,9\%,3)+$$$60,000]($A$|$F$,9\%,18)$

$($c$)$ A$=$$$60,000($P$|$A$,9\%,18)\backslash$times $($F$|$P$,9\%,21)($A$|$F$,9\%,4)$

$($d$)$ A$=$$$60,000[($P$|$F$,9\%,18)+($P$|$F$,9\%,19)+($P$|$F$,9\%,20)+($P$|$F$,9\%,21)]($A$|$P$,9\%,18)$

$($e$)$ A$=($$$60,000\backslash$times $4)/18$