please help with provlem 3 and 4

Exercise 3. Caterpillar USA needs to accumulate $3.5 million to retire a bond issue that matures! in 12 years. The firm's manufacturing division can contribute $25,000 per quarter for the next 12 years to an account that will pay 2% quarterly. How much will the remaining Caterpillar divisions have to contribute every month to a second account that pays 0.5% per month in order to reach the $3.5 million goal in 12 years? Exercise 4 Tuition costs are expected to increase at the rate of 4% per year. The first year's tuition is due one year from now and will be $12,450. To cover tuition cost for 4 years, a fund is to be set up today in an account that will earn interest at the rate of 6% per year. How much must be deposited into the fund today in order to have enough funds to pay for the 4 years of tuition expenses