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4. In 12 years, you hope to have $20,000 set aside. Starting today, you plan to make quarterly deposits to the bank. Interest is 7% per year. What payment do you need? 5. When you were born, you became an internet sensation. At the end of your first month of life, you received a check for $100 for all your great internet content. The checks continued to get bigger by 0.1% each month. You wise parents opened a savings account for you, with an interest rate of 4% with monthly compounding. Now you are exactly 20 years old. (Happy birthday!). How much do you have saved