You want to accumulate enough money over the next 10 years to pay for your son’s college. The total costs in 10 years are expected to be $200,000 that you want to pay in advance before the first semester. You currently have $10,000 that you plan to invest over the next 10 years to help pay for college costs. You want to put away an equal, end-of-year amount into an investment account at the end of each of the next 10 years. Earnings on all of the investments are expected to be 7% for the first 5 years and 9% thereafter. What equal, end-of-year amount must you save each year over the next 10 years to meet these needs?