solve below

Madhu and Sylvain plan to save and pay for their child's university tuition fees for four years,

starting $15$ years from now. The current cost is $$12,000$ per year, with the expectation that this

cost will rise at an annual rate of $3\mathrm{.}5\%.$ The tuition fees will be payable at the beginning of each

year when their child goes to university. In their planning, Madhu and Sylvain assume they can

earn a $6\%$ annual return.

a$.$ How much must Madhu and Sylvain set aside each year, starting next year, if they plan to

make $14$ equal payments?

b$.$ How much must they set aside this year to cover the full tuition fees by the time their

child goes to university?