Your cousin is currently 10 years old. She will be going to college in 8 years. Your aunt and uncle would like to have $ 120,000 in a savings account to fund her education at that time. If the account promises to pay a fixed interest to pay a fixed interest rate of 3.6% per year, how much money do they need to put into the account today to ensure that they will have $120,000 in 8 years?