Zack and Samantha are celebrating the birth of their son, Jeff. They want Jeff to be able to attend college at the University when Jeff turns 18 . They estimate that the tuition, room and board and miscellaneous expenses will amount to $25,000 per year for four years, with the first installment due exactly 18 years from now. Zack and Samantha want to deposit money now into an account paying 6% per year. How much must they deposit now in order to fund Jeff's college expenses