Today is your cousins 12th birthday. Her parents are preparing to save for her college tuition. They decide that they will save the equal amount of $10,000 into a savings account, starting today and continuing every birthday up to and including her 20th birthday. Assume the savings account pays 7% interest compounded annually. If instead they gave a lump-sum amount TODAY, how much money will your cousins parents need to deposit in the account to give her to give the same value gift?