A father would like to save some money on his son birthday so that the money could be used for his son's school and university expenses. His son is expected to be in upper and lower 6 level for two years starting at the age of 18 and requires RM 5,000 of expenses per year. He will enroll into the university at the age of 20 for a duration of 4 years and requires RM 10,000 of expenses per year. Assume that the saving receives an interest of 6% per year and all of the expenses including the fess are going to be paid at the starting of the semester.

(i) Calculate the total amount of money that the father needs to save on his son's birthday so that he can support all of his son's expenses during low and upper 6 and university studies.

(ii) If the father intends to save every year starting at the age when his son is 1 years old until he finishes his study at the university, calculate the annual saving that he should make to cover all of his son expenses.

(iii) draw the cast flow diagram for (i) and (ii)