10. Assume your uncle will pay you $100 for each of the next two years and $200 in years 3 and these amounts will be paid at year end. Assume the interest rate is 10% for the first two years and 12% for the next two (years 3 and 4). What is your uncle's promise worth in today's dollars? (Round your answer) 11. Find the future value of $400 payment made at the end of every end of the month for 5 years if interest is 3.2% compounded monthly