Pat is going to start a college fund for a child. They want the child to eventually be able to withdraw $5000 per quarter for four years. Pat's credit union offers a college savings annuity account with a 5.1% APR.

1. If they start saving 12 years before the child starts college, how much will Pat need to depoist monthly to reach their goal?
2. How much will they deposit in total over the 12 years?
3. If they start saving four years before the child starts college, how much will Pat need to depoist monthly to reach their goal?
4. How much will they deposit in total over the four years?