You have a daughter who just turned 10 years old. She is planning on starting college on her 18th birthday. You have determined you will need $20,000, $21,000, $22,000, $23,000 for her freshman, sophmore, junior, and senior years of college. You plan on making these amounts available to her at the beginning of each of these years. You currently have $2000 saved and would like to make monthly deposits for eight years at the end of each month until she turns 18. You want the account to be worth enought just to pay for her college expenses listed above. If you can earn 8% APR on your deposits, and assuming that any balance remaining in the account will only earn 4% APR after she turns 18, how much will you have to deposit each month to provide for your daughter's education?