Starting next year, you will need $$15,000$ annually for $4$ years to complete your education. $($One year from today you will withdraw the first $$15,000.)$ Your uncle deposits an amount today in a bank paying $4\%$ annual interest, which will provide the needed $$15,000$ payments.

a$.$ How large must the deposit be$?$ Do not round intermediate calculations. Round your answer to the nearest cent.

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b$.$ How much will be in the account immediately after you make the first withdrawal? Do not round intermediate calculations. Round your answer to the nearest cent.

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