A local furniture store is advertising a deal in which you buy a $5,000 living room set with three years before you need to make any payments (no interest cost is incurred). How much money would you have to deposit now in a savings account earning 4 percent APR, compounded monthly, to pay the $5,000 bill in three years? Alternatively, how much would you have to deposit in the savings account each month to be able to pay the bill?