You have started your first job today, and you want to buy a house within 4 years. You are currently saving for the down payment. You plan to save $4,000 the first year. You also anticipate that the amount you'll save each year will rise by 15% per year as your salary increases over time. Interest rates can be expected to remain at 5% during these upcoming 4 years, and all savings occur at year-end. How much money will you have for a down payment in four years?