Your parents have accumulated a $$140,000$ nest egg. They have been planning to use this money to pay college costs to be incurred by you and your sister, Courtney. However, Courtney has decided to forgo college and start a nail salon. Your parents are giving Courtney $$23,000$ to help her get started, and they have decided to take year$-$end vacations costing $$9,000$ per year for the next four years. Use $9$ percent as the appropriate interest rate throughout this problem. Use Appendix A and Appendix D for an approximate answer, but calculate your final answer using the formula and financial calculator methods.