Q3 Karim planning for an education fund for his new born daughter, Aisyah. He is only able to invest in a fixed saving account starting on Aisyah's fourth birthday. He planned to withdraw RM4000 a year on Aisyah's 18th, 19th, 20th and 21st birthday, make the total of RM16000 for her college funding. Assume bank interest is 5%. (a) Draw the cash flow diagram for the above scenario. (3 marks) (b) Considering Karim will deposit consistent amount of money every year, calculate his annual investment starting from Aisyah's 4th birthday until her 17th birthday to make sure his plan success. (10 marks) (c) A geotechnical laboratory buys a testing instrument for RM12,000, which it agrees to pay for in five equal annual payments, beginning one year after the date of purchase, at an annual interest rate of 4%. Immediately after the second payment, the terms of the agreement are changed to allow the balance due to be paid off in a single payment the next year. What is the final single payment? (12 marks)