REQUIRED LUMP SUM PAYMENT Starting next year, you will need $$5,000$ annually for $4$ years to complete your education. $($One year from today you will withdraw the first $$5,000.)$ Your uncle deposits an amount today in a bank paying $6\%$ annual interest, which will pro$-$ vide the needed $$5,000$ payments. a$.$ How large must the deposit be$?$ b$.$ How much will be in the account immediately after you make the first withdrawal?