The Saeed family is worried about their ability to pay fee for their daughter Nimra. Tuition rates are currently Rs-9,500 per semester at the QAU and have been increasing at a rate of 5% per semester. Nimra will begin college in 5 years. The Saeed have Rs-9,500 set aside now in a college plan that will earn 6% per year. They recently heard about a plan to pre-pay tuition at current rates, that is pay Rs-9,500 per year of QAU. Should they pre-pay Nimras first semester now or keep the money invested and pay the tuition 5 years from now? How much are they saving in FV terms with this decision?