The Moller Skycar M400 is a flying car known as a personal air vehicle (PAV). The cost is $995,000, and a $100,000 deposit holds one of the first 100 vehicles. Assume a buyer pays the $885,000 balance 3 years after making the $100,000 deposit. At an interest rate of 10% per year, determine the effective total cost of the PAV in year 3 using

(a) tabulated factors, and

(b) a single-cell spreadsheet function.