Helen can earn 3% interest in her savings account. Her daughter Roberta is 11 years old today. Suppose Helen deposits $4000 today, and one year from today she deposits another $500. Each year she increases her deposit by $500 until she makes her last deposit on Roberta's 18th birthday. What is the annual equivalent of her deposits, and how much is on deposit after the 18th birthday? Contributed by Paul R. McCright, University of South Florida.