Your long$-$term clients, Harry and Ruth Barlow $($married$,$ both age $40),$ just informed you during your annual review with them that they are pregnant. They were quite surprised since they weren't planning any more children $($they have three ages $16,15,$ and $13).$ They have done well planning for all of their children's education goals and are on track to meet all of those goals. Now they feel a need to start funding the college education of the new child $($due in four months$).$ They have been saving $$3,000$ annually per child since each child was born so they are thinking of doing the same with the new child. All of the older children are doing well in public schools and are planning to attend college. The kids seem bright enough that Harry and Ruth expect them to get some scholarship money, and the Barlows are concerned that perhaps they have already put too much money in tax$-$advantaged education accounts. Given this information, how would you recommend they save the $$3,000$ annually for the new child?