Joanna’s dad is looking to deposit a sum of money immediately into an account that pays an annual interest rate of 9% so that her first year college tuition costs are provided for. Currently the average college tuition cost is $15,000 and is expected to increase by 4% (the average annual inflation rate). Joanna just turned 5, and is expected to start college when she turns 18. How much money will Joanna’s dad have to deposit into the account?