You would like to set aside money from your annual salary in order to be able to make a down payment on a home in five years. This year your salary will be $65,000, and you expect to receive a 5% raise in each of the following years. If you deposit 7% of your salary at the end of each year into a savings account that earns 8% interest compounded monthly, how much will you have for a down payment at the end of the five years? Draw a cash flow diagram.