Ruggiero Brothers Oil has an R85 000 liability it must pay four years from today. The company is opening a savings account, so that the entire amount will be available when this debt needs to be paid. The plan is to make an initial deposit today, and then deposit an additional R16 000 each year for the next four years, starting one year from today. The account pays a 6% rate of return. How much does the firm need to deposit today