$14.$ Fred wants to set aside a fixed percentage of his salary to buy a new car at the end of five years from now. The car costs $$15,000$ now, and its price is expected to increase at the inflation rate of $3\%$ per year. His first deposit will be made one year from now and his present salary of $$40,000$ will be paid out at the end of the present year. Subsequently, he expects his salary to increase at the rate of $6\%$ per year. If he earns $8\mathrm{.}5\%$ per year on his savings, what fixed percentage of his gross salary must be saved each year? Solve the problem first using actual dollar analysis and then using real dollar analysis.