1. What is the present value of the following annuity? $652 every half year at the beginning of the period for the next 15 years, discounted back to the present at 13.58 percent, per year, compounded SEMIANNUALLY. Round the answer to 2 decimal points.

2. For the next 3 years, you decide to place $577 in equal year-end deposits into a savings account earning 4.85 percent per year. How much money will be in the account at the end of that time period? Round the answer to two decimal points.

3. How many years will take the following? $156 to grow to $44,772 if invested at 17.55 percent compounded annually?