3. (30 pts) your neighbors just had their first baby today and they are already planning to save for their child’s college education. they found an investment account with 6% apr compounded quarterly. they plan to make monthly deposits with the first deposit 1 months from today. if they plan to continue making monthly deposits until the child’s 18th birthday, what must be the monthly deposit amount to be able to withdraw $40,000 on each birthday from the 18th birthday through the 21st birthday. (note: they will make a last deposit on the date of the first withdrawal.)