Nancy just had a new baby boy and plans to send him to college 19 years from now. She wants to deposit each winter in an education account which pays 10% (compounded annually) so that her boy will have enough money set aside that he can take out $20,000 at the beginning of each year to pay tuition, room and board, etc., for each of his four-year education. How much will Nancy need to deposit at the end of each year in order to meet the goal? (Note: There will be 19 total deposits and the first deposit will be made in one year. Also, the last deposit will be made the day before the first withdrawal.)